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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 | $93,917 | $81,487+15.3% | $102,412-8.3% | $80,935+16.0% |
| Participation rate | 54.8% | 66.8%-12.0pp | 74.5%-19.7pp | 67.7%-12.8pp |
| Annual return | 4.46% | 25.60%-21.1pp | 24.94%-20.5pp | 35.66%-31.2pp |
| Employer contribution / active EE | $1,402 | $3,103-54.8% | $3,870-63.8% | $2,757-49.1% |
| Participant deferral / active EE | $2,190 | $3,871-43.4% | $5,060-56.7% | $4,299-49.1% |
| Admin fee / account holder | $2,412 | $6,717-64.1% | $8,388-71.2% | $6,924-65.2% |