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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 | $116,092 | $81,331+42.7% | $155,534-25.4% | $80,935+43.4% |
| Participation rate | 42.5% | 66.3%-23.8pp | 78.2%-35.7pp | 67.7%-25.2pp |
| Annual return | 6.67% | 33.37%-26.7pp | 64.92%-58.2pp | 35.66%-29.0pp |
| Employer contribution / active EE | $1,092 | $3,105-64.8% | $4,675-76.6% | $2,757-60.4% |
| Participant deferral / active EE | $3,436 | $3,454-0.5% | $5,630-39.0% | $4,299-20.1% |
| Admin fee / account holder | $472 | $7,999-94.1% | $15,900-97.0% | $6,924-93.2% |