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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 | $90,871 | $93,598-2.9% | $135,974-33.2% | $75,173+20.9% |
| Participation rate | 36.7% | 75.2%-38.5pp | 81.9%-45.2pp | 67.2%-30.5pp |
| Annual return | 13.77% | 30.89%-17.1pp | 68.30%-54.5pp | 160.72%-146.9pp |
| Employer contribution / active EE | $1,449 | $3,538-59.1% | $4,859-70.2% | $2,671-45.8% |
| Participant deferral / active EE | $4,553 | $6,405-28.9% | $7,760-41.3% | $4,126+10.4% |
| Admin fee / account holder | $4,249 | $6,978-39.1% | $10,767-60.5% | $5,651-24.8% |