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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 | $114,619 | $89,515+28.0% | $103,486+10.8% | $80,935+41.6% |
| Participation rate | 40.0% | 76.0%-36.0pp | 80.5%-40.5pp | 67.7%-27.7pp |
| Annual return | 7.06% | 22.82%-15.8pp | 23.93%-16.9pp | 35.66%-28.6pp |
| Employer contribution / active EE | $1,231 | $4,015-69.3% | $4,679-73.7% | $2,757-55.3% |
| Participant deferral / active EE | $3,071 | $5,463-43.8% | $6,628-53.7% | $4,299-28.6% |
| Admin fee / account holder | $22,097 | $6,527+238.5% | $9,354+136.2% | $6,924+219.1% |