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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 | $110,128 | $123,478-10.8% | $216,567-49.1% | $94,015+17.1% |
| Participation rate | 50.0% | 75.1%-25.1pp | 81.6%-31.6pp | 70.8%-20.8pp |
| Annual return | 8.84% | 23.61%-14.8pp | 12.94%-4.1pp | 17.84%-9.0pp |
| Employer contribution / active EE | $1,338 | $3,136-57.3% | $5,216-74.3% | $2,790-52.0% |
| Participant deferral / active EE | $2,687 | $4,556-41.0% | $6,191-56.6% | $4,249-36.8% |
| Admin fee / account holder | $838 | $12,753-93.4% | $21,981-96.2% | $8,951-90.6% |