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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 | $81,453 | $181,896-55.2% | $156,551-48.0% | $273,972-70.3% |
| Participation rate | 42.9% | 88.4%-45.5pp | 84.0%-41.2pp | 83.0%-40.2pp |
| Annual return | 1.42% | 30.74%-29.3pp | 32.23%-30.8pp | 41.46%-40.0pp |
| Employer contribution / active EE | $2,135 | $6,248-65.8% | $5,501-61.2% | $4,869-56.2% |
| Participant deferral / active EE | $4,254 | $5,550-23.3% | $4,871-12.7% | $5,287-19.5% |
| Admin fee / account holder | $18,777 | $15,560+20.7% | $13,028+44.1% | $10,133+85.3% |