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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 | $87,968 | $101,798-13.6% | $165,071-46.7% | $80,935+8.7% |
| Participation rate | 57.1% | 71.8%-14.7pp | 78.6%-21.5pp | 67.7%-10.5pp |
| Annual return | 8.88% | 16.73%-7.8pp | 70.17%-61.3pp | 35.66%-26.8pp |
| Employer contribution / active EE | $1,329 | $2,954-55.0% | $4,347-69.4% | $2,757-51.8% |
| Participant deferral / active EE | $3,551 | $4,476-20.7% | $6,035-41.2% | $4,299-17.4% |
| Admin fee / account holder | $2,640 | $8,221-67.9% | $12,695-79.2% | $6,924-61.9% |