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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 | $87,890 | $52,581+67.2% | $130,788-32.8% | $64,340+36.6% |
| Participation rate | 37.5% | 46.5%-9.0pp | 70.1%-32.6pp | 55.2%-17.7pp |
| Annual return | 10.99% | 20.39%-9.4pp | 386.44%-375.5pp | 24.14%-13.2pp |
| Employer contribution / active EE | $1,384 | $1,031+34.2% | $3,558-61.1% | $1,862-25.7% |
| Participant deferral / active EE | $2,904 | $2,200+32.0% | $4,137-29.8% | $2,980-2.6% |
| Admin fee / account holder | $2,139 | $4,583-53.3% | $6,673-67.9% | $3,703-42.2% |