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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 | $97,650 | $115,931-15.8% | $185,441-47.3% | $86,983+12.3% |
| Participation rate | 55.6% | 73.6%-18.1pp | 80.3%-24.7pp | 69.5%-14.0pp |
| Annual return | 5.57% | 21.47%-15.9pp | 20.16%-14.6pp | 25.83%-20.3pp |
| Employer contribution / active EE | $2,180 | $2,937-25.8% | $4,672-53.4% | $2,584-15.7% |
| Participant deferral / active EE | $4,223 | $4,551-7.2% | $6,152-31.4% | $4,194+0.7% |
| Admin fee / account holder | $2,235 | $10,687-79.1% | $17,890-87.5% | $7,856-71.6% |