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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 | $80,505 | $77,896+3.3% | $134,172-40.0% | $82,448-2.4% |
| Participation rate | 51.2% | 62.8%-11.6pp | 72.5%-21.2pp | 68.1%-16.8pp |
| Annual return | 11.48% | 18.21%-6.7pp | 25.30%-13.8pp | 41.64%-30.2pp |
| Employer contribution / active EE | $1,208 | $2,159-44.0% | $3,420-64.7% | $2,551-52.6% |
| Participant deferral / active EE | $3,978 | $3,162+25.8% | $4,690-15.2% | $4,139-3.9% |
| Admin fee / account holder | $362 | $6,336-94.3% | $12,016-97.0% | $7,234-95.0% |