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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $73,475 | $86,938-15.5% | $102,423-28.3% | $80,925-9.2% |
| Participation rate | 39.6% | 72.4%-32.8pp | 76.5%-36.9pp | 67.7%-28.1pp |
| Annual return | 8.03% | 18.89%-10.9pp | 29.42%-21.4pp | 35.65%-27.6pp |
| Employer contribution / active EE | $1,152 | $2,369-51.4% | $3,023-61.9% | $2,756-58.2% |
| Participant deferral / active EE | $2,312 | $4,120-43.9% | $5,054-54.3% | $4,299-46.2% |
| Admin fee / account holder | $11,442 | $8,053+42.1% | $9,455+21.0% | $6,940+64.9% |