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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 | $90,104 | $110,137-18.2% | $161,149-44.1% | $82,637+9.0% |
| Participation rate | 32.1% | 72.4%-40.2pp | 78.8%-46.7pp | 68.1%-35.9pp |
| Annual return | 7.88% | 20.69%-12.8pp | 21.16%-13.3pp | 53.51%-45.6pp |
| Employer contribution / active EE | $1,282 | $2,856-55.1% | $4,360-70.6% | $2,552-49.8% |
| Participant deferral / active EE | $3,439 | $4,575-24.8% | $6,153-44.1% | $4,126-16.7% |
| Admin fee / account holder | $1,044 | $9,467-89.0% | $15,194-93.1% | $7,339-85.8% |