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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 | $106,598 | $100,003+6.6% | $146,685-27.3% | $85,856+24.2% |
| Participation rate | 46.2% | 73.1%-26.9pp | 80.1%-33.9pp | 69.3%-23.2pp |
| Annual return | 10.83% | 18.93%-8.1pp | 22.75%-11.9pp | 318.58%-307.8pp |
| Employer contribution / active EE | $1,018 | $2,559-60.2% | $4,137-75.4% | $2,565-60.3% |
| Participant deferral / active EE | $1,983 | $4,006-50.5% | $5,507-64.0% | $3,952-49.8% |
| Admin fee / account holder | $2,029 | $7,704-73.7% | $10,281-80.3% | $6,261-67.6% |