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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 | $63,785 | $75,541-15.6% | $152,093-58.1% | $82,637-22.8% |
| Participation rate | 46.9% | 66.5%-19.6pp | 77.8%-30.8pp | 68.1%-21.1pp |
| Annual return | 10.34% | 32.56%-22.2pp | 66.36%-56.0pp | 53.51%-43.2pp |
| Employer contribution / active EE | $1,407 | $2,622-46.3% | $4,175-66.3% | $2,552-44.9% |
| Participant deferral / active EE | $1,767 | $3,206-44.9% | $5,451-67.6% | $4,126-57.2% |
| Admin fee / account holder | $14,754 | $6,405+130.4% | $14,497+1.8% | $7,339+101.0% |