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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 | $98,324 | $101,795-3.4% | $165,100-40.4% | $80,959+21.4% |
| Participation rate | 48.4% | 71.8%-23.4pp | 78.6%-30.2pp | 67.7%-19.3pp |
| Annual return | 10.37% | 16.73%-6.4pp | 70.21%-59.8pp | 35.67%-25.3pp |
| Employer contribution / active EE | $1,594 | $2,954-46.0% | $4,348-63.3% | $2,757-42.2% |
| Participant deferral / active EE | $3,196 | $4,476-28.6% | $6,035-47.0% | $4,300-25.7% |
| Admin fee / account holder | $7,464 | $8,221-9.2% | $12,696-41.2% | $6,925+7.8% |