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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 | $78,151 | $77,574+0.7% | $108,753-28.1% | $86,983-10.2% |
| Participation rate | 50.0% | 62.3%-12.3pp | 71.1%-21.1pp | 69.5%-19.5pp |
| Annual return | 9.39% | 18.42%-9.0pp | 37.47%-28.1pp | 25.83%-16.4pp |
| Employer contribution / active EE | $1,489 | $1,611-7.5% | $2,427-38.6% | $2,584-42.4% |
| Participant deferral / active EE | $2,534 | $3,128-19.0% | $4,115-38.4% | $4,194-39.6% |
| Admin fee / account holder | $449 | $6,529-93.1% | $10,320-95.7% | $7,856-94.3% |