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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 | $95,453-13.9% | $112,040-26.7% | $82,448-0.4% |
| Participation rate | 48.5% | 72.8%-24.3pp | 76.5%-28.0pp | 68.1%-19.6pp |
| Annual return | 9.92% | 23.92%-14.0pp | 24.52%-14.6pp | 41.64%-31.7pp |
| Employer contribution / active EE | $1,638 | $2,318-29.3% | $2,954-44.6% | $2,551-35.8% |
| Participant deferral / active EE | $3,316 | $4,224-21.5% | $5,098-34.9% | $4,139-19.9% |
| Admin fee / account holder | $2,622 | $9,013-70.9% | $12,098-78.3% | $7,234-63.8% |