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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 | $114,712-4.0% | $173,730-36.6% | $87,485+25.9% |
| Participation rate | 50.0% | 73.0%-23.0pp | 79.6%-29.6pp | 68.9%-18.9pp |
| Annual return | 8.84% | 20.18%-11.3pp | 19.96%-11.1pp | 26.06%-17.2pp |
| Employer contribution / active EE | $1,338 | $2,904-53.9% | $4,577-70.8% | $2,596-48.5% |
| Participant deferral / active EE | $2,687 | $4,642-42.1% | $6,326-57.5% | $4,274-37.1% |
| Admin fee / account holder | $838 | $10,210-91.8% | $17,523-95.2% | $7,775-89.2% |