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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 | $78,098 | $61,605+26.8% | $112,273-30.4% | $75,181+3.9% |
| Participation rate | 50.0% | 61.7%-11.7pp | 72.4%-22.4pp | 67.2%-17.2pp |
| Annual return | 3.80% | 28.47%-24.7pp | 30.23%-26.4pp | 160.69%-156.9pp |
| Employer contribution / active EE | $1,453 | $2,015-27.9% | $3,431-57.6% | $2,671-45.6% |
| Participant deferral / active EE | $2,429 | $3,108-21.9% | $4,800-49.4% | $4,126-41.1% |
| Admin fee / account holder | $4,160 | $4,862-14.4% | $7,752-46.3% | $5,650-26.4% |