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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 | $82,627 | $78,672+5.0% | $109,163-24.3% | $85,856-3.8% |
| Participation rate | 42.1% | 68.3%-26.2pp | 75.9%-33.8pp | 69.3%-27.2pp |
| Annual return | 10.61% | 25.09%-14.5pp | 25.75%-15.1pp | 318.58%-308.0pp |
| Employer contribution / active EE | $1,732 | $2,734-36.6% | $3,723-53.5% | $2,565-32.5% |
| Participant deferral / active EE | $4,261 | $3,467+22.9% | $4,654-8.4% | $3,952+7.8% |
| Admin fee / account holder | $3,438 | $5,470-37.1% | $6,754-49.1% | $6,261-45.1% |