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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 | $75,302 | $83,485-9.8% | $125,195-39.9% | $72,976+3.2% |
| Participation rate | 63.3% | 73.3%-10.0pp | 79.8%-16.5pp | 69.5%-6.2pp |
| Annual return | 1.03% | 25.77%-24.7pp | 43.79%-42.8pp | 81.02%-80.0pp |
| Employer contribution / active EE | $3,110 | $2,346+32.6% | $3,866-19.6% | $2,440+27.5% |
| Participant deferral / active EE | $0 | $3,586-100.0% | $4,937-100.0% | $3,608-100.0% |
| Admin fee / account holder | $6,225 | $5,518+12.8% | $9,704-35.9% | $5,124+21.5% |