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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 | $82,153 | $104,098-21.1% | $140,514-41.5% | $94,015-12.6% |
| Participation rate | 48.5% | 73.7%-25.2pp | 77.8%-29.3pp | 70.8%-22.3pp |
| Annual return | 9.92% | 15.14%-5.2pp | 14.36%-4.4pp | 17.84%-7.9pp |
| Employer contribution / active EE | $1,638 | $2,388-31.4% | $3,378-51.5% | $2,790-41.3% |
| Participant deferral / active EE | $3,316 | $4,033-17.8% | $4,919-32.6% | $4,249-22.0% |
| Admin fee / account holder | $2,622 | $10,439-74.9% | $13,697-80.9% | $8,951-70.7% |