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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 | $104,952 | $107,421-2.3% | $182,262-42.4% | $94,015+11.6% |
| Participation rate | 60.4% | 77.8%-17.4pp | 84.2%-23.8pp | 70.8%-10.4pp |
| Annual return | 11.46% | 21.32%-9.9pp | 140.60%-129.1pp | 17.84%-6.4pp |
| Employer contribution / active EE | $1,336 | $3,448-61.2% | $5,046-73.5% | $2,790-52.1% |
| Participant deferral / active EE | $3,256 | $6,558-50.3% | $8,276-60.7% | $4,249-23.4% |
| Admin fee / account holder | $4,647 | $8,692-46.5% | $16,712-72.2% | $8,951-48.1% |