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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 | $89,242 | $101,798-12.3% | $165,071-45.9% | $80,935+10.3% |
| Participation rate | 52.9% | 71.8%-18.9pp | 78.6%-25.7pp | 67.7%-14.7pp |
| Annual return | 10.17% | 16.73%-6.6pp | 70.17%-60.0pp | 35.66%-25.5pp |
| Employer contribution / active EE | $1,411 | $2,954-52.2% | $4,347-67.5% | $2,757-48.8% |
| Participant deferral / active EE | $3,530 | $4,476-21.1% | $6,035-41.5% | $4,299-17.9% |
| Admin fee / account holder | $1,432 | $8,221-82.6% | $12,695-88.7% | $6,924-79.3% |