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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 | $90,281 | $83,898+7.6% | $133,346-32.3% | $94,015-4.0% |
| Participation rate | 52.4% | 63.4%-11.0pp | 72.8%-20.5pp | 70.8%-18.4pp |
| Annual return | 9.23% | 16.00%-6.8pp | 36.85%-27.6pp | 17.84%-8.6pp |
| Employer contribution / active EE | $1,665 | $1,821-8.6% | $2,853-41.7% | $2,790-40.3% |
| Participant deferral / active EE | $3,116 | $3,245-4.0% | $4,332-28.1% | $4,249-26.7% |
| Admin fee / account holder | $14,431 | $7,809+84.8% | $14,264+1.2% | $8,951+61.2% |