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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 | $137,724 | $106,749+29.0% | $145,433-5.3% | $82,448+67.0% |
| Participation rate | 63.0% | 75.6%-12.7pp | 82.1%-19.2pp | 68.1%-5.1pp |
| Annual return | 10.15% | 27.59%-17.4pp | 66.58%-56.4pp | 41.64%-31.5pp |
| Employer contribution / active EE | $2,301 | $3,444-33.2% | $4,554-49.5% | $2,551-9.8% |
| Participant deferral / active EE | $3,989 | $6,519-38.8% | $7,897-49.5% | $4,139-3.6% |
| Admin fee / account holder | $762 | $8,390-90.9% | $13,129-94.2% | $7,234-89.5% |