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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 | $67,451 | $68,586-1.7% | $120,380-44.0% | $80,911-16.6% |
| Participation rate | 37.0% | 61.6%-24.6pp | 71.9%-35.0pp | 67.6%-30.7pp |
| Annual return | 9.15% | 23.62%-14.5pp | 107.28%-98.1pp | 35.63%-26.5pp |
| Employer contribution / active EE | $1,292 | $2,053-37.1% | $3,465-62.7% | $2,756-53.1% |
| Participant deferral / active EE | $3,151 | $3,174-0.7% | $4,992-36.9% | $4,297-26.7% |
| Admin fee / account holder | $444 | $5,733-92.3% | $9,421-95.3% | $6,935-93.6% |