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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 | $73,306 | $81,476-10.0% | $102,383-28.4% | $80,925-9.4% |
| Participation rate | 43.2% | 66.8%-23.6pp | 74.5%-31.3pp | 67.7%-24.4pp |
| Annual return | 9.52% | 25.59%-16.1pp | 24.94%-15.4pp | 35.65%-26.1pp |
| Employer contribution / active EE | $2,072 | $3,105-33.3% | $3,870-46.5% | $2,756-24.8% |
| Participant deferral / active EE | $3,896 | $3,871+0.6% | $5,060-23.0% | $4,299-9.4% |
| Admin fee / account holder | $5,072 | $6,717-24.5% | $8,391-39.6% | $6,940-26.9% |