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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 | $85,417 | $86,949-1.8% | $102,460-16.6% | $80,959+5.5% |
| Participation rate | 55.8% | 72.4%-16.6pp | 76.5%-20.7pp | 67.7%-11.9pp |
| Annual return | 10.26% | 18.89%-8.6pp | 29.47%-19.2pp | 35.67%-25.4pp |
| Employer contribution / active EE | $1,899 | $2,370-19.9% | $3,025-37.2% | $2,757-31.1% |
| Participant deferral / active EE | $2,903 | $4,121-29.5% | $5,056-42.6% | $4,300-32.5% |
| Admin fee / account holder | $1,879 | $8,048-76.6% | $9,460-80.1% | $6,925-72.9% |