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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 | $110,691 | $99,633+11.1% | $183,328-39.6% | $82,448+34.3% |
| Participation rate | 36.4% | 70.8%-34.4pp | 77.3%-41.0pp | 68.1%-31.7pp |
| Annual return | 6.62% | 17.84%-11.2pp | 29.67%-23.0pp | 41.64%-35.0pp |
| Employer contribution / active EE | $1,726 | $3,256-47.0% | $5,055-65.8% | $2,551-32.3% |
| Participant deferral / active EE | $2,854 | $4,938-42.2% | $6,795-58.0% | $4,139-31.0% |
| Admin fee / account holder | $5,537 | $9,934-44.3% | $21,427-74.2% | $7,234-23.5% |