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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 | $86,262 | $106,749-19.2% | $145,433-40.7% | $82,448+4.6% |
| Participation rate | 42.9% | 75.6%-32.8pp | 82.1%-39.3pp | 68.1%-25.2pp |
| Annual return | 13.85% | 27.59%-13.7pp | 66.58%-52.7pp | 41.64%-27.8pp |
| Employer contribution / active EE | $1,423 | $3,444-58.7% | $4,554-68.7% | $2,551-44.2% |
| Participant deferral / active EE | $2,535 | $6,519-61.1% | $7,897-67.9% | $4,139-38.8% |
| Admin fee / account holder | $6,711 | $8,390-20.0% | $13,129-48.9% | $7,234-7.2% |