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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 | $99,475 | $77,896+27.7% | $134,172-25.9% | $82,448+20.7% |
| Participation rate | 34.5% | 62.8%-28.3pp | 72.5%-38.0pp | 68.1%-33.6pp |
| Annual return | 9.65% | 18.21%-8.6pp | 25.30%-15.7pp | 41.64%-32.0pp |
| Employer contribution / active EE | $1,434 | $2,159-33.6% | $3,420-58.1% | $2,551-43.8% |
| Participant deferral / active EE | $2,769 | $3,162-12.4% | $4,690-41.0% | $4,139-33.1% |
| Admin fee / account holder | $10,245 | $6,336+61.7% | $12,016-14.7% | $7,234+41.6% |