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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 | $82,383 | $94,031-12.4% | $115,768-28.8% | $82,448-0.1% |
| Participation rate | 40.0% | 70.4%-30.4pp | 74.4%-34.4pp | 68.1%-28.1pp |
| Annual return | 6.74% | 20.61%-13.9pp | 100.46%-93.7pp | 41.64%-34.9pp |
| Employer contribution / active EE | $1,353 | $2,323-41.8% | $2,940-54.0% | $2,551-47.0% |
| Participant deferral / active EE | $3,175 | $3,972-20.0% | $4,917-35.4% | $4,139-23.3% |
| Admin fee / account holder | $1,971 | $10,249-80.8% | $12,439-84.2% | $7,234-72.8% |