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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 | $93,741 | $106,749-12.2% | $145,433-35.5% | $82,448+13.7% |
| Participation rate | 60.3% | 75.6%-15.3pp | 82.1%-21.8pp | 68.1%-7.8pp |
| Annual return | 13.92% | 27.59%-13.7pp | 66.58%-52.7pp | 41.64%-27.7pp |
| Employer contribution / active EE | $1,579 | $3,444-54.2% | $4,554-65.3% | $2,551-38.1% |
| Participant deferral / active EE | $3,839 | $6,519-41.1% | $7,897-51.4% | $4,139-7.3% |
| Admin fee / account holder | $2,964 | $8,390-64.7% | $13,129-77.4% | $7,234-59.0% |