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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 | $96,120 | $88,672+8.4% | $105,223-8.7% | $82,448+16.6% |
| Participation rate | 35.3% | 67.9%-32.6pp | 75.0%-39.8pp | 68.1%-32.8pp |
| Annual return | 3.60% | 30.86%-27.3pp | 180.65%-177.0pp | 41.64%-38.0pp |
| Employer contribution / active EE | $1,256 | $3,048-58.8% | $3,689-65.9% | $2,551-50.7% |
| Participant deferral / active EE | $2,242 | $4,036-44.5% | $5,072-55.8% | $4,139-45.8% |
| Admin fee / account holder | $3,915 | $7,146-45.2% | $8,859-55.8% | $7,234-45.9% |