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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 | $58,060 | $73,787-21.3% | $98,716-41.2% | $82,448-29.6% |
| Participation rate | 25.0% | 61.4%-36.4pp | 69.3%-44.3pp | 68.1%-43.1pp |
| Annual return | 11.84% | 18.57%-6.7pp | 31.81%-20.0pp | 41.64%-29.8pp |
| Employer contribution / active EE | $1,816 | $1,511+20.2% | $2,279-20.3% | $2,551-28.8% |
| Participant deferral / active EE | $2,185 | $3,081-29.1% | $4,048-46.0% | $4,139-47.2% |
| Admin fee / account holder | $13,419 | $6,500+106.4% | $8,703+54.2% | $7,234+85.5% |