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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 | $68,724 | $81,446-15.6% | $103,374-33.5% | $80,874-15.0% |
| Participation rate | 54.1% | 66.9%-12.8pp | 74.5%-20.4pp | 67.6%-13.5pp |
| Annual return | 8.98% | 25.57%-16.6pp | 24.89%-15.9pp | 35.62%-26.6pp |
| Employer contribution / active EE | $1,243 | $3,107-60.0% | $3,869-67.9% | $2,756-54.9% |
| Participant deferral / active EE | $2,721 | $3,870-29.7% | $5,058-46.2% | $4,297-36.7% |
| Admin fee / account holder | $3,570 | $6,715-46.8% | $8,394-57.5% | $6,935-48.5% |