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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 | $127,654 | $110,212+15.8% | $96,534+32.2% | $139,466-8.5% |
| Participation rate | 40.0% | 78.1%-38.1pp | 76.0%-36.0pp | 80.3%-40.3pp |
| Annual return | 6.89% | 26.42%-19.5pp | 25.88%-19.0pp | 373.66%-366.8pp |
| Employer contribution / active EE | $1,064 | $3,620-70.6% | $2,965-64.1% | $4,754-77.6% |
| Participant deferral / active EE | $2,353 | $5,547-57.6% | $4,851-51.5% | $6,712-64.9% |
| Admin fee / account holder | $1,915 | $11,599-83.5% | $8,253-76.8% | $11,409-83.2% |