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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 | $77,814+2.0% | $158,223-49.8% | $86,983-8.8% |
| Participation rate | 44.4% | 68.4%-24.0pp | 79.2%-34.8pp | 69.5%-25.1pp |
| Annual return | 11.83% | 30.54%-18.7pp | 52.09%-40.3pp | 25.83%-14.0pp |
| Employer contribution / active EE | $380 | $2,592-85.3% | $4,109-90.7% | $2,584-85.3% |
| Participant deferral / active EE | $2,821 | $3,270-13.7% | $5,467-48.4% | $4,194-32.7% |
| Admin fee / account holder | $12,434 | $5,879+111.5% | $16,047-22.5% | $7,856+58.3% |