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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 | $133,987 | $63,845+109.9% | $81,370+64.7% | $80,959+65.5% |
| Participation rate | 43.3% | 63.9%-20.6pp | 69.5%-26.3pp | 67.7%-24.4pp |
| Annual return | 9.18% | 16.37%-7.2pp | 24.85%-15.7pp | 35.67%-26.5pp |
| Employer contribution / active EE | $1,494 | $1,980-24.5% | $2,464-39.4% | $2,757-45.8% |
| Participant deferral / active EE | $3,652 | $3,093+18.1% | $3,885-6.0% | $4,300-15.1% |
| Admin fee / account holder | $2,434 | $5,688-57.2% | $5,749-57.7% | $6,925-64.8% |