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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 | $79,790 | $80,992-1.5% | $96,534-17.3% | $75,173+6.1% |
| Participation rate | 56.3% | 71.8%-15.5pp | 76.0%-19.7pp | 67.2%-11.0pp |
| Annual return | 5.12% | 27.05%-21.9pp | 25.88%-20.8pp | 160.72%-155.6pp |
| Employer contribution / active EE | $1,393 | $2,283-39.0% | $2,965-53.0% | $2,671-47.9% |
| Participant deferral / active EE | $2,791 | $3,929-29.0% | $4,851-42.5% | $4,126-32.4% |
| Admin fee / account holder | $1,350 | $6,717-79.9% | $8,253-83.6% | $5,651-76.1% |