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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 | $88,382 | $114,712-23.0% | $173,730-49.1% | $87,485+1.0% |
| Participation rate | 50.0% | 73.0%-23.0pp | 79.6%-29.6pp | 68.9%-18.9pp |
| Annual return | 11.21% | 20.18%-9.0pp | 19.96%-8.7pp | 26.06%-14.9pp |
| Employer contribution / active EE | $1,430 | $2,904-50.8% | $4,577-68.8% | $2,596-44.9% |
| Participant deferral / active EE | $2,634 | $4,642-43.3% | $6,326-58.4% | $4,274-38.4% |
| Admin fee / account holder | $9,096 | $10,210-10.9% | $17,523-48.1% | $7,775+17.0% |