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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 | $79,855 | $73,988+7.9% | $96,538-17.3% | $75,177+6.2% |
| Participation rate | 54.0% | 66.4%-12.5pp | 74.3%-20.4pp | 67.2%-13.2pp |
| Annual return | 5.79% | 26.73%-20.9pp | 35.74%-29.9pp | 160.75%-155.0pp |
| Employer contribution / active EE | $1,900 | $2,930-35.2% | $3,740-49.2% | $2,671-28.9% |
| Participant deferral / active EE | $3,402 | $3,660-7.1% | $4,880-30.3% | $4,126-17.5% |
| Admin fee / account holder | $32,774 | $5,220+527.9% | $6,737+386.4% | $5,651+479.9% |