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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 | $86,082 | $73,787+16.7% | $98,716-12.8% | $82,448+4.4% |
| Participation rate | 42.4% | 61.4%-19.0pp | 69.3%-26.9pp | 68.1%-25.6pp |
| Annual return | 11.72% | 18.57%-6.8pp | 31.81%-20.1pp | 41.64%-29.9pp |
| Employer contribution / active EE | $1,673 | $1,511+10.7% | $2,279-26.6% | $2,551-34.4% |
| Participant deferral / active EE | $2,007 | $3,081-34.9% | $4,048-50.4% | $4,139-51.5% |
| Admin fee / account holder | $11,459 | $6,500+76.3% | $8,703+31.7% | $7,234+58.4% |