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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 | $114,712-14.9% | $173,730-43.8% | $87,485+11.6% |
| Participation rate | 55.6% | 73.0%-17.4pp | 79.6%-24.0pp | 68.9%-13.4pp |
| Annual return | 5.57% | 20.18%-14.6pp | 19.96%-14.4pp | 26.06%-20.5pp |
| Employer contribution / active EE | $2,180 | $2,904-24.9% | $4,577-52.4% | $2,596-16.0% |
| Participant deferral / active EE | $4,223 | $4,642-9.0% | $6,326-33.3% | $4,274-1.2% |
| Admin fee / account holder | $2,235 | $10,210-78.1% | $17,523-87.2% | $7,775-71.3% |