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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 | $135,253 | $87,878+53.9% | $97,411+38.8% | $82,637+63.7% |
| Participation rate | 36.0% | 75.6%-39.6pp | 80.4%-44.4pp | 68.1%-32.1pp |
| Annual return | 10.10% | 54.63%-44.5pp | 34.72%-24.6pp | 53.51%-43.4pp |
| Employer contribution / active EE | $1,349 | $3,800-64.5% | $4,210-67.9% | $2,552-47.1% |
| Participant deferral / active EE | $3,359 | $5,525-39.2% | $5,886-42.9% | $4,126-18.6% |
| Admin fee / account holder | $1,084 | $6,743-83.9% | $7,145-84.8% | $7,339-85.2% |