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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 | $95,949 | $106,749-10.1% | $145,433-34.0% | $82,448+16.4% |
| Participation rate | 48.6% | 75.6%-27.0pp | 82.1%-33.5pp | 68.1%-19.5pp |
| Annual return | 12.44% | 27.59%-15.1pp | 66.58%-54.1pp | 41.64%-29.2pp |
| Employer contribution / active EE | $1,220 | $3,444-64.6% | $4,554-73.2% | $2,551-52.2% |
| Participant deferral / active EE | $2,486 | $6,519-61.9% | $7,897-68.5% | $4,139-39.9% |
| Admin fee / account holder | $907 | $8,390-89.2% | $13,129-93.1% | $7,234-87.5% |