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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 | $69,938 | $58,627+19.3% | $76,735-8.9% | $82,448-15.2% |
| Participation rate | 46.4% | 63.2%-16.8pp | 69.5%-23.1pp | 68.1%-21.6pp |
| Annual return | 12.92% | 39.10%-26.2pp | 29.77%-16.9pp | 41.64%-28.7pp |
| Employer contribution / active EE | $1,041 | $1,729-39.8% | $2,454-57.6% | $2,551-59.2% |
| Participant deferral / active EE | $2,589 | $3,134-17.4% | $4,088-36.7% | $4,139-37.5% |
| Admin fee / account holder | $1,313 | $5,323-75.3% | $7,189-81.7% | $7,234-81.8% |