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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 | $64,341 | $81,504-21.1% | $102,437-37.2% | $80,959-20.5% |
| Participation rate | 52.9% | 66.9%-14.0pp | 74.5%-21.6pp | 67.7%-14.8pp |
| Annual return | 8.50% | 25.60%-17.1pp | 24.95%-16.5pp | 35.67%-27.2pp |
| Employer contribution / active EE | $1,073 | $3,104-65.4% | $3,871-72.3% | $2,757-61.1% |
| Participant deferral / active EE | $2,912 | $3,871-24.8% | $5,060-42.4% | $4,300-32.3% |
| Admin fee / account holder | $11,640 | $6,719+73.2% | $8,388+38.8% | $6,925+68.1% |