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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 | $87,908 | $101,798-13.6% | $165,071-46.7% | $80,935+8.6% |
| Participation rate | 42.3% | 71.8%-29.5pp | 78.6%-36.3pp | 67.7%-25.4pp |
| Annual return | 9.62% | 16.73%-7.1pp | 70.17%-60.6pp | 35.66%-26.0pp |
| Employer contribution / active EE | $1,099 | $2,954-62.8% | $4,347-74.7% | $2,757-60.1% |
| Participant deferral / active EE | $4,800 | $4,476+7.2% | $6,035-20.5% | $4,299+11.6% |
| Admin fee / account holder | $1,407 | $8,221-82.9% | $12,695-88.9% | $6,924-79.7% |