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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 | $108,133 | $99,875+8.3% | $146,866-26.4% | $86,983+24.3% |
| Participation rate | 46.8% | 75.8%-29.0pp | 82.5%-35.7pp | 69.5%-22.7pp |
| Annual return | 12.55% | 28.10%-15.5pp | 102.85%-90.3pp | 25.83%-13.3pp |
| Employer contribution / active EE | $1,992 | $3,224-38.2% | $4,425-55.0% | $2,584-22.9% |
| Participant deferral / active EE | $5,900 | $6,322-6.7% | $7,759-24.0% | $4,194+40.7% |
| Admin fee / account holder | $17,716 | $7,838+126.0% | $13,620+30.1% | $7,856+125.5% |