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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 | $106,749-1.7% | $145,433-27.8% | $82,448+27.3% |
| Participation rate | 60.4% | 75.6%-15.2pp | 82.1%-21.7pp | 68.1%-7.7pp |
| Annual return | 11.46% | 27.59%-16.1pp | 66.58%-55.1pp | 41.64%-30.2pp |
| Employer contribution / active EE | $1,336 | $3,444-61.2% | $4,554-70.7% | $2,551-47.6% |
| Participant deferral / active EE | $3,256 | $6,519-50.0% | $7,897-58.8% | $4,139-21.3% |
| Admin fee / account holder | $4,647 | $8,390-44.6% | $13,129-64.6% | $7,234-35.8% |