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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 | $85,954 | $57,541+49.4% | $95,728-10.2% | $75,181+14.3% |
| Participation rate | 57.9% | 62.5%-4.6pp | 72.3%-14.4pp | 67.2%-9.3pp |
| Annual return | 10.71% | 34.93%-24.2pp | 28.40%-17.7pp | 160.69%-150.0pp |
| Employer contribution / active EE | $1,105 | $1,808-38.9% | $2,835-61.0% | $2,671-58.6% |
| Participant deferral / active EE | $2,364 | $3,074-23.1% | $4,245-44.3% | $4,126-42.7% |
| Admin fee / account holder | $1,034 | $4,099-74.8% | $5,673-81.8% | $5,650-81.7% |