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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 | $82,894 | $56,894+45.7% | $84,753-2.2% | $62,881+31.8% |
| Participation rate | 36.4% | 68.5%-32.2pp | 76.6%-40.2pp | 69.3%-32.9pp |
| Annual return | 3.04% | 6.30%-3.3pp | 22.78%-19.7pp | 20.14%-17.1pp |
| Employer contribution / active EE | $1,222 | $2,400-49.1% | $3,574-65.8% | $2,281-46.4% |
| Participant deferral / active EE | $2,061 | $2,709-23.9% | $3,712-44.5% | $3,203-35.7% |
| Admin fee / account holder | $5,987 | $3,581+67.2% | $5,333+12.3% | $4,296+39.4% |