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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 | $64,437 | $88,672-27.3% | $105,223-38.8% | $82,448-21.8% |
| Participation rate | 43.1% | 67.9%-24.8pp | 75.0%-32.0pp | 68.1%-25.0pp |
| Annual return | 12.62% | 30.86%-18.2pp | 180.65%-168.0pp | 41.64%-29.0pp |
| Employer contribution / active EE | $1,862 | $3,048-38.9% | $3,689-49.5% | $2,551-27.0% |
| Participant deferral / active EE | $3,748 | $4,036-7.1% | $5,072-26.1% | $4,139-9.4% |
| Admin fee / account holder | $5,482 | $7,146-23.3% | $8,859-38.1% | $7,234-24.2% |