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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 | $98,305 | $95,453+3.0% | $112,040-12.3% | $82,448+19.2% |
| Participation rate | 49.5% | 72.8%-23.3pp | 76.5%-27.0pp | 68.1%-18.6pp |
| Annual return | 12.10% | 23.92%-11.8pp | 24.52%-12.4pp | 41.64%-29.5pp |
| Employer contribution / active EE | $1,232 | $2,318-46.9% | $2,954-58.3% | $2,551-51.7% |
| Participant deferral / active EE | $3,728 | $4,224-11.7% | $5,098-26.9% | $4,139-9.9% |
| Admin fee / account holder | $22,675 | $9,013+151.6% | $12,098+87.4% | $7,234+213.4% |