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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 | $71,437 | $81,262-12.1% | $155,602-54.1% | $80,911-11.7% |
| Participation rate | 24.6% | 66.2%-41.6pp | 78.2%-53.6pp | 67.6%-43.0pp |
| Annual return | 8.20% | 33.34%-25.1pp | 64.81%-56.6pp | 35.63%-27.4pp |
| Employer contribution / active EE | $3,404 | $3,102+9.7% | $4,675-27.2% | $2,756+23.5% |
| Participant deferral / active EE | $3,110 | $3,451-9.9% | $5,629-44.8% | $4,297-27.6% |
| Admin fee / account holder | $12,792 | $7,992+60.1% | $15,923-19.7% | $6,935+84.5% |