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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 | $73,372 | $72,273+1.5% | $101,275-27.6% | $79,856-8.1% |
| Participation rate | 20.0% | 68.5%-48.5pp | 75.8%-55.8pp | 69.6%-49.6pp |
| Annual return | 9.08% | 22.30%-13.2pp | 46.48%-37.4pp | 31.71%-22.6pp |
| Employer contribution / active EE | $1,624 | $2,691-39.6% | $3,660-55.6% | $2,471-34.3% |
| Participant deferral / active EE | $2,771 | $3,282-15.6% | $4,371-36.6% | $3,741-25.9% |
| Admin fee / account holder | $5,703 | $4,401+29.6% | $5,948-4.1% | $5,306+7.5% |