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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 | $82,781 | $86,940-4.8% | $102,434-19.2% | $80,935+2.3% |
| Participation rate | 45.2% | 72.4%-27.2pp | 76.5%-31.3pp | 67.7%-22.4pp |
| Annual return | 10.23% | 18.89%-8.7pp | 29.46%-19.2pp | 35.66%-25.4pp |
| Employer contribution / active EE | $2,265 | $2,370-4.4% | $3,023-25.1% | $2,757-17.8% |
| Participant deferral / active EE | $3,676 | $4,121-10.8% | $5,055-27.3% | $4,299-14.5% |
| Admin fee / account holder | $13,000 | $8,047+61.6% | $9,462+37.4% | $6,924+87.7% |