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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 | $94,052 | $81,331+15.6% | $155,534-39.5% | $80,935+16.2% |
| Participation rate | 28.6% | 66.3%-37.7pp | 78.2%-49.6pp | 67.7%-39.1pp |
| Annual return | 9.07% | 33.37%-24.3pp | 64.92%-55.8pp | 35.66%-26.6pp |
| Employer contribution / active EE | $1,041 | $3,105-66.5% | $4,675-77.7% | $2,757-62.2% |
| Participant deferral / active EE | $2,499 | $3,454-27.7% | $5,630-55.6% | $4,299-41.9% |
| Admin fee / account holder | $11,474 | $7,999+43.4% | $15,900-27.8% | $6,924+65.7% |