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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 | $125,706 | $81,476+54.3% | $102,383+22.8% | $80,925+55.3% |
| Participation rate | 48.5% | 66.8%-18.4pp | 74.5%-26.0pp | 67.7%-19.2pp |
| Annual return | 9.07% | 25.59%-16.5pp | 24.94%-15.9pp | 35.65%-26.6pp |
| Employer contribution / active EE | $1,491 | $3,105-52.0% | $3,870-61.5% | $2,756-45.9% |
| Participant deferral / active EE | $4,878 | $3,871+26.0% | $5,060-3.6% | $4,299+13.5% |
| Admin fee / account holder | $8,815 | $6,717+31.2% | $8,391+5.1% | $6,940+27.0% |