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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 | $100,846 | $106,749-5.5% | $145,433-30.7% | $82,448+22.3% |
| Participation rate | 45.5% | 75.6%-30.2pp | 82.1%-36.7pp | 68.1%-22.6pp |
| Annual return | 11.39% | 27.59%-16.2pp | 66.58%-55.2pp | 41.64%-30.2pp |
| Employer contribution / active EE | $1,071 | $3,444-68.9% | $4,554-76.5% | $2,551-58.0% |
| Participant deferral / active EE | $4,751 | $6,519-27.1% | $7,897-39.8% | $4,139+14.8% |
| Admin fee / account holder | $1,838 | $8,390-78.1% | $13,129-86.0% | $7,234-74.6% |