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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 | $85,406 | $126,661-32.6% | $113,397-24.7% | $138,895-38.5% |
| Participation rate | 42.9% | 79.4%-36.6pp | 76.5%-33.6pp | 79.9%-37.1pp |
| Annual return | 9.37% | 25.05%-15.7pp | 23.20%-13.8pp | 145.39%-136.0pp |
| Employer contribution / active EE | $1,492 | $3,456-56.8% | $2,977-49.9% | $4,194-64.4% |
| Participant deferral / active EE | $6,320 | $5,693+11.0% | $5,076+24.5% | $6,396-1.2% |
| Admin fee / account holder | $344 | $14,549-97.6% | $11,957-97.1% | $12,562-97.3% |