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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 | $64,243 | $80,985-20.7% | $96,576-33.5% | $75,181-14.5% |
| Participation rate | 35.3% | 71.8%-36.5pp | 76.0%-40.7pp | 67.2%-31.9pp |
| Annual return | 12.66% | 27.05%-14.4pp | 25.87%-13.2pp | 160.69%-148.0pp |
| Employer contribution / active EE | $1,189 | $2,282-47.9% | $2,965-59.9% | $2,671-55.5% |
| Participant deferral / active EE | $2,072 | $3,929-47.3% | $4,851-57.3% | $4,126-49.8% |
| Admin fee / account holder | $14,198 | $6,719+111.3% | $8,253+72.0% | $5,650+151.3% |