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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 | $106,524-9.9% | $152,301-37.0% | $87,485+9.7% |
| Participation rate | 48.6% | 75.8%-27.1pp | 82.4%-33.8pp | 68.9%-20.3pp |
| Annual return | 12.44% | 26.89%-14.4pp | 80.50%-68.1pp | 26.06%-13.6pp |
| Employer contribution / active EE | $1,220 | $3,371-63.8% | $4,624-73.6% | $2,596-53.0% |
| Participant deferral / active EE | $2,486 | $6,525-61.9% | $8,004-68.9% | $4,274-41.8% |
| Admin fee / account holder | $907 | $8,287-89.1% | $14,398-93.7% | $7,775-88.3% |