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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 | $78,507 | $72,269+8.6% | $101,271-22.5% | $79,852-1.7% |
| Participation rate | 48.1% | 68.5%-20.3pp | 75.8%-27.7pp | 69.6%-21.5pp |
| Annual return | 5.19% | 22.29%-17.1pp | 46.48%-41.3pp | 31.72%-26.5pp |
| Employer contribution / active EE | $1,138 | $2,692-57.7% | $3,660-68.9% | $2,471-54.0% |
| Participant deferral / active EE | $2,964 | $3,282-9.7% | $4,371-32.2% | $3,740-20.8% |
| Admin fee / account holder | $2,816 | $4,401-36.0% | $5,948-52.6% | $5,306-46.9% |