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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 | $90,811 | $106,864-15.0% | $147,318-38.4% | $82,637+9.9% |
| Participation rate | 48.1% | 75.5%-27.4pp | 82.1%-33.9pp | 68.1%-19.9pp |
| Annual return | 14.11% | 27.49%-13.4pp | 70.43%-56.3pp | 53.51%-39.4pp |
| Employer contribution / active EE | $2,015 | $3,417-41.0% | $4,593-56.1% | $2,552-21.1% |
| Participant deferral / active EE | $4,015 | $6,496-38.2% | $7,906-49.2% | $4,126-2.7% |
| Admin fee / account holder | $1,500 | $8,415-82.2% | $13,708-89.1% | $7,339-79.6% |