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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 | $63,773+110.1% | $81,286+64.8% | $80,925+65.6% |
| Participation rate | 43.3% | 63.9%-20.6pp | 69.5%-26.2pp | 67.7%-24.4pp |
| Annual return | 9.18% | 16.37%-7.2pp | 24.80%-15.6pp | 35.65%-26.5pp |
| Employer contribution / active EE | $1,494 | $1,979-24.5% | $2,463-39.3% | $2,756-45.8% |
| Participant deferral / active EE | $3,652 | $3,093+18.0% | $3,883-6.0% | $4,299-15.1% |
| Admin fee / account holder | $2,434 | $5,682-57.2% | $5,764-57.8% | $6,940-64.9% |