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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 | $89,857 | $110,137-18.4% | $161,149-44.2% | $82,637+8.7% |
| Participation rate | 45.7% | 72.4%-26.6pp | 78.8%-33.1pp | 68.1%-22.3pp |
| Annual return | 0.40% | 20.69%-20.3pp | 21.16%-20.8pp | 53.51%-53.1pp |
| Employer contribution / active EE | $1,015 | $2,856-64.5% | $4,360-76.7% | $2,552-60.2% |
| Participant deferral / active EE | $2,390 | $4,575-47.8% | $6,153-61.2% | $4,126-42.1% |
| Admin fee / account holder | $657 | $9,467-93.1% | $15,194-95.7% | $7,339-91.0% |