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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 | $71,637 | $75,541-5.2% | $152,093-52.9% | $82,637-13.3% |
| Participation rate | 50.0% | 66.5%-16.5pp | 77.8%-27.8pp | 68.1%-18.1pp |
| Annual return | 12.35% | 32.56%-20.2pp | 66.36%-54.0pp | 53.51%-41.2pp |
| Employer contribution / active EE | $1,302 | $2,622-50.3% | $4,175-68.8% | $2,552-49.0% |
| Participant deferral / active EE | $2,876 | $3,206-10.3% | $5,451-47.2% | $4,126-30.3% |
| Admin fee / account holder | $1,827 | $6,405-71.5% | $14,497-87.4% | $7,339-75.1% |