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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 | $129,698 | $106,749+21.5% | $145,433-10.8% | $82,448+57.3% |
| Participation rate | 63.9% | 75.6%-11.8pp | 82.1%-18.2pp | 68.1%-4.2pp |
| Annual return | 14.15% | 27.59%-13.4pp | 66.58%-52.4pp | 41.64%-27.5pp |
| Employer contribution / active EE | $1,066 | $3,444-69.0% | $4,554-76.6% | $2,551-58.2% |
| Participant deferral / active EE | $5,764 | $6,519-11.6% | $7,897-27.0% | $4,139+39.3% |
| Admin fee / account holder | $1,351 | $8,390-83.9% | $13,129-89.7% | $7,234-81.3% |