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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 | $83,452 | $77,814+7.2% | $158,223-47.3% | $86,983-4.1% |
| Participation rate | 57.1% | 68.4%-11.3pp | 79.2%-22.1pp | 69.5%-12.4pp |
| Annual return | 10.49% | 30.54%-20.0pp | 52.09%-41.6pp | 25.83%-15.3pp |
| Employer contribution / active EE | $1,838 | $2,592-29.1% | $4,109-55.3% | $2,584-28.9% |
| Participant deferral / active EE | $2,852 | $3,270-12.8% | $5,467-47.8% | $4,194-32.0% |
| Admin fee / account holder | $3,797 | $5,879-35.4% | $16,047-76.3% | $7,856-51.7% |