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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 | $97,041 | $72,273+34.3% | $101,275-4.2% | $79,856+21.5% |
| Participation rate | 50.0% | 68.5%-18.5pp | 75.8%-25.8pp | 69.6%-19.6pp |
| Annual return | 7.04% | 22.30%-15.3pp | 46.48%-39.4pp | 31.71%-24.7pp |
| Employer contribution / active EE | $1,099 | $2,691-59.2% | $3,660-70.0% | $2,471-55.5% |
| Participant deferral / active EE | $3,417 | $3,282+4.1% | $4,371-21.8% | $3,741-8.6% |
| Admin fee / account holder | $699 | $4,401-84.1% | $5,948-88.3% | $5,306-86.8% |