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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 | $82,995 | $101,778-18.5% | $164,975-49.7% | $80,925+2.6% |
| Participation rate | 43.2% | 71.8%-28.6pp | 78.6%-35.4pp | 67.7%-24.4pp |
| Annual return | 4.70% | 16.73%-12.0pp | 70.12%-65.4pp | 35.65%-31.0pp |
| Employer contribution / active EE | $1,788 | $2,954-39.5% | $4,343-58.8% | $2,756-35.1% |
| Participant deferral / active EE | $2,313 | $4,477-48.3% | $6,033-61.7% | $4,299-46.2% |
| Admin fee / account holder | $130,782 | $8,221+1490.8% | $12,688+930.7% | $6,940+1784.4% |