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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 | $81,407 | $75,541+7.8% | $152,093-46.5% | $82,637-1.5% |
| Participation rate | 46.5% | 66.5%-20.0pp | 77.8%-31.3pp | 68.1%-21.5pp |
| Annual return | 12.19% | 32.56%-20.4pp | 66.36%-54.2pp | 53.51%-41.3pp |
| Employer contribution / active EE | $641 | $2,622-75.6% | $4,175-84.6% | $2,552-74.9% |
| Participant deferral / active EE | $1,474 | $3,206-54.0% | $5,451-73.0% | $4,126-64.3% |
| Admin fee / account holder | $10,665 | $6,405+66.5% | $14,497-26.4% | $7,339+45.3% |