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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 | $94,625 | $106,524-11.2% | $152,301-37.9% | $87,485+8.2% |
| Participation rate | 56.8% | 75.8%-18.9pp | 82.4%-25.6pp | 68.9%-12.1pp |
| Annual return | 11.91% | 26.89%-15.0pp | 80.50%-68.6pp | 26.06%-14.2pp |
| Employer contribution / active EE | $1,057 | $3,371-68.7% | $4,624-77.1% | $2,596-59.3% |
| Participant deferral / active EE | $3,871 | $6,525-40.7% | $8,004-51.6% | $4,274-9.4% |
| Admin fee / account holder | $19,509 | $8,287+135.4% | $14,398+35.5% | $7,775+150.9% |