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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 | $109,931 | $73,978+48.6% | $96,515+13.9% | $75,173+46.2% |
| Participation rate | 48.6% | 66.4%-17.9pp | 74.3%-25.8pp | 67.2%-18.6pp |
| Annual return | 12.59% | 26.72%-14.1pp | 35.73%-23.1pp | 160.72%-148.1pp |
| Employer contribution / active EE | $1,452 | $2,931-50.5% | $3,740-61.2% | $2,671-45.6% |
| Participant deferral / active EE | $4,625 | $3,660+26.4% | $4,880-5.2% | $4,126+12.1% |
| Admin fee / account holder | $3,449 | $5,219-33.9% | $6,735-48.8% | $5,651-39.0% |