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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 | $86,458 | $76,551+12.9% | $123,894-30.2% | $62,881+37.5% |
| Participation rate | 30.8% | 73.0%-42.2pp | 81.4%-50.6pp | 69.3%-38.5pp |
| Annual return | 4.05% | 18.68%-14.6pp | 47.52%-43.5pp | 20.14%-16.1pp |
| Employer contribution / active EE | $1,221 | $2,882-57.6% | $4,617-73.6% | $2,281-46.5% |
| Participant deferral / active EE | $2,935 | $4,840-39.3% | $5,984-50.9% | $3,203-8.4% |
| Admin fee / account holder | $9,643 | $4,826+99.8% | $8,357+15.4% | $4,296+124.5% |