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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 | $97,988 | $99,875-1.9% | $146,866-33.3% | $86,983+12.7% |
| Participation rate | 30.3% | 75.8%-45.5pp | 82.5%-52.2pp | 69.5%-39.3pp |
| Annual return | 10.68% | 28.10%-17.4pp | 102.85%-92.2pp | 25.83%-15.2pp |
| Employer contribution / active EE | $510 | $3,224-84.2% | $4,425-88.5% | $2,584-80.3% |
| Participant deferral / active EE | $3,974 | $6,322-37.1% | $7,759-48.8% | $4,194-5.2% |
| Admin fee / account holder | $5,755 | $7,838-26.6% | $13,620-57.7% | $7,856-26.7% |