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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 | $73,634 | $81,476-9.6% | $102,383-28.1% | $80,925-9.0% |
| Participation rate | 35.3% | 66.8%-31.6pp | 74.5%-39.2pp | 67.7%-32.4pp |
| Annual return | 10.10% | 25.59%-15.5pp | 24.94%-14.8pp | 35.65%-25.5pp |
| Employer contribution / active EE | $1,095 | $3,105-64.7% | $3,870-71.7% | $2,756-60.3% |
| Participant deferral / active EE | $2,626 | $3,871-32.2% | $5,060-48.1% | $4,299-38.9% |
| Admin fee / account holder | $6,434 | $6,717-4.2% | $8,391-23.3% | $6,940-7.3% |