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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 | $80,315 | $69,977+14.8% | $108,582-26.0% | $62,881+27.7% |
| Participation rate | 46.9% | 72.9%-26.0pp | 79.6%-32.7pp | 69.3%-22.4pp |
| Annual return | 3.46% | 10.73%-7.3pp | -51.70%+55.2pp | 20.14%-16.7pp |
| Employer contribution / active EE | $1,023 | $2,135-52.1% | $3,758-72.8% | $2,281-55.2% |
| Participant deferral / active EE | $1,603 | $3,165-49.3% | $4,311-62.8% | $3,203-49.9% |
| Admin fee / account holder | $1,158 | $5,076-77.2% | $7,645-84.9% | $4,296-73.1% |