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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 | $68,008 | $101,752-33.2% | $164,928-58.8% | $80,911-15.9% |
| Participation rate | 50.0% | 71.8%-21.8pp | 78.6%-28.6pp | 67.6%-17.6pp |
| Annual return | 9.76% | 16.73%-7.0pp | 70.08%-60.3pp | 35.63%-25.9pp |
| Employer contribution / active EE | $1,363 | $2,953-53.8% | $4,343-68.6% | $2,756-50.5% |
| Participant deferral / active EE | $2,192 | $4,477-51.0% | $6,034-63.7% | $4,297-49.0% |
| Admin fee / account holder | $3,349 | $8,218-59.3% | $12,684-73.6% | $6,935-51.7% |