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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 | $86,401 | $93,598-7.7% | $135,974-36.5% | $75,173+14.9% |
| Participation rate | 43.4% | 75.2%-31.8pp | 81.9%-38.5pp | 67.2%-23.8pp |
| Annual return | 13.41% | 30.89%-17.5pp | 68.30%-54.9pp | 160.72%-147.3pp |
| Employer contribution / active EE | $1,883 | $3,538-46.8% | $4,859-61.2% | $2,671-29.5% |
| Participant deferral / active EE | $4,188 | $6,405-34.6% | $7,760-46.0% | $4,126+1.5% |
| Admin fee / account holder | $2,574 | $6,978-63.1% | $10,767-76.1% | $5,651-54.4% |