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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 | $90,672 | $99,994-9.3% | $146,643-38.2% | $85,847+5.6% |
| Participation rate | 47.5% | 73.1%-25.6pp | 80.1%-32.6pp | 69.3%-21.9pp |
| Annual return | 11.03% | 18.93%-7.9pp | 22.75%-11.7pp | 318.61%-307.6pp |
| Employer contribution / active EE | $1,224 | $2,559-52.2% | $4,137-70.4% | $2,565-52.3% |
| Participant deferral / active EE | $2,431 | $4,006-39.3% | $5,506-55.8% | $3,952-38.5% |
| Admin fee / account holder | $1,368 | $7,703-82.2% | $10,280-86.7% | $6,261-78.1% |