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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 | $63,314 | $57,590+9.9% | $86,233-26.6% | $82,448-23.2% |
| Participation rate | 38.9% | 57.9%-19.0pp | 69.0%-30.1pp | 68.1%-29.2pp |
| Annual return | 7.26% | 22.41%-15.2pp | 61.39%-54.1pp | 41.64%-34.4pp |
| Employer contribution / active EE | $1,101 | $1,655-33.5% | $2,504-56.0% | $2,551-56.8% |
| Participant deferral / active EE | $2,533 | $3,080-17.8% | $4,559-44.4% | $4,139-38.8% |
| Admin fee / account holder | $9,020 | $4,730+90.7% | $8,342+8.1% | $7,234+24.7% |