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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 | $100,154 | $87,106+15.0% | $105,607-5.2% | $80,935+23.7% |
| Participation rate | 37.5% | 70.4%-32.9pp | 75.3%-37.8pp | 67.7%-30.2pp |
| Annual return | 9.78% | 17.01%-7.2pp | 116.11%-106.3pp | 35.66%-25.9pp |
| Employer contribution / active EE | $1,382 | $2,396-42.3% | $3,167-56.3% | $2,757-49.8% |
| Participant deferral / active EE | $2,367 | $3,986-40.6% | $5,011-52.8% | $4,299-44.9% |
| Admin fee / account holder | $644 | $8,447-92.4% | $10,958-94.1% | $6,924-90.7% |