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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 | $79,357 | $76,407+3.9% | $150,298-47.2% | $82,448-3.7% |
| Participation rate | 44.4% | 66.4%-22.0pp | 77.8%-33.3pp | 68.1%-23.6pp |
| Annual return | 11.83% | 39.99%-28.2pp | 62.79%-51.0pp | 41.64%-29.8pp |
| Employer contribution / active EE | $380 | $2,614-85.4% | $4,154-90.8% | $2,551-85.1% |
| Participant deferral / active EE | $2,821 | $3,214-12.2% | $5,453-48.3% | $4,139-31.8% |
| Admin fee / account holder | $12,434 | $6,352+95.8% | $14,116-11.9% | $7,234+71.9% |