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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 | $86,028 | $78,672+9.3% | $109,163-21.2% | $85,856+0.2% |
| Participation rate | 48.8% | 68.3%-19.5pp | 75.9%-27.1pp | 69.3%-20.5pp |
| Annual return | 11.05% | 25.09%-14.0pp | 25.75%-14.7pp | 318.58%-307.5pp |
| Employer contribution / active EE | $1,066 | $2,734-61.0% | $3,723-71.4% | $2,565-58.4% |
| Participant deferral / active EE | $2,404 | $3,467-30.7% | $4,654-48.3% | $3,952-39.2% |
| Admin fee / account holder | $8,243 | $5,470+50.7% | $6,754+22.1% | $6,261+31.7% |