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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 | $74,535+4.9% | $100,712-22.4% | $82,637-5.4% |
| Participation rate | 50.0% | 61.2%-11.2pp | 69.3%-19.3pp | 68.1%-18.1pp |
| Annual return | 9.39% | 18.92%-9.5pp | 33.27%-23.9pp | 53.51%-44.1pp |
| Employer contribution / active EE | $1,489 | $1,503-0.9% | $2,313-35.6% | $2,552-41.6% |
| Participant deferral / active EE | $2,534 | $3,074-17.6% | $4,085-38.0% | $4,126-38.6% |
| Admin fee / account holder | $449 | $6,576-93.2% | $9,256-95.2% | $7,339-93.9% |