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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 | $73,000 | $78,027-6.4% | $178,528-59.1% | $80,925-9.8% |
| Participation rate | 47.1% | 65.7%-18.6pp | 77.1%-30.0pp | 67.7%-20.6pp |
| Annual return | 6.74% | 18.09%-11.3pp | 27.11%-20.4pp | 35.65%-28.9pp |
| Employer contribution / active EE | $2,164 | $2,281-5.1% | $3,950-45.2% | $2,756-21.5% |
| Participant deferral / active EE | $3,567 | $4,408-19.1% | $6,278-43.2% | $4,299-17.0% |
| Admin fee / account holder | $13,935 | $7,168+94.4% | $10,419+33.7% | $6,940+100.8% |