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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 | $89,973 | $86,949+3.5% | $102,460-12.2% | $80,959+11.1% |
| Participation rate | 40.4% | 72.4%-32.0pp | 76.5%-36.1pp | 67.7%-27.2pp |
| Annual return | 9.60% | 18.89%-9.3pp | 29.47%-19.9pp | 35.67%-26.1pp |
| Employer contribution / active EE | $1,609 | $2,370-32.1% | $3,025-46.8% | $2,757-41.6% |
| Participant deferral / active EE | $2,974 | $4,121-27.8% | $5,056-41.2% | $4,300-30.8% |
| Admin fee / account holder | $54,536 | $8,048+577.7% | $9,460+476.5% | $6,925+687.5% |