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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 | $89,532-6.6% | $103,447-19.1% | $80,925+3.4% |
| Participation rate | 46.3% | 76.0%-29.7pp | 80.5%-34.2pp | 67.7%-21.4pp |
| Annual return | 10.61% | 22.80%-12.2pp | 23.92%-13.3pp | 35.65%-25.0pp |
| Employer contribution / active EE | $1,381 | $4,023-65.7% | $4,678-70.5% | $2,756-49.9% |
| Participant deferral / active EE | $2,130 | $5,459-61.0% | $6,624-67.8% | $4,299-50.5% |
| Admin fee / account holder | $3,279 | $6,774-51.6% | $9,415-65.2% | $6,940-52.7% |