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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 | $83,648 | $89,515-6.6% | $103,065-18.8% | $80,959+3.3% |
| Participation rate | 46.3% | 76.0%-29.7pp | 80.6%-34.3pp | 67.7%-21.4pp |
| Annual return | 10.61% | 22.82%-12.2pp | 23.95%-13.3pp | 35.67%-25.1pp |
| Employer contribution / active EE | $1,381 | $4,015-65.6% | $4,675-70.5% | $2,757-49.9% |
| Participant deferral / active EE | $2,130 | $5,463-61.0% | $6,625-67.9% | $4,300-50.5% |
| Admin fee / account holder | $3,279 | $6,527-49.8% | $9,349-64.9% | $6,925-52.6% |