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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 | $128,445 | $105,284+22.0% | $150,734-14.8% | $94,015+36.6% |
| Participation rate | 33.3% | 71.7%-38.4pp | 78.4%-45.1pp | 70.8%-37.5pp |
| Annual return | 4.88% | 15.67%-10.8pp | 600.81%-595.9pp | 17.84%-13.0pp |
| Employer contribution / active EE | $1,027 | $3,599-71.4% | $4,918-79.1% | $2,790-63.2% |
| Participant deferral / active EE | $2,670 | $4,274-37.5% | $5,610-52.4% | $4,249-37.2% |
| Admin fee / account holder | $1,893 | $9,839-80.8% | $14,905-87.3% | $8,951-78.9% |