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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 | $99,257 | $93,617+6.0% | $135,982-27.0% | $75,177+32.0% |
| Participation rate | 52.0% | 75.2%-23.2pp | 81.9%-29.9pp | 67.2%-15.2pp |
| Annual return | 12.91% | 30.89%-18.0pp | 68.32%-55.4pp | 160.75%-147.8pp |
| Employer contribution / active EE | $1,172 | $3,538-66.9% | $4,859-75.9% | $2,671-56.1% |
| Participant deferral / active EE | $3,393 | $6,406-47.0% | $7,760-56.3% | $4,126-17.8% |
| Admin fee / account holder | $9,591 | $6,980+37.4% | $10,767-10.9% | $5,651+69.7% |