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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 | $135,983 | $59,440+128.8% | $78,004+74.3% | $82,637+64.6% |
| Participation rate | 50.0% | 62.8%-12.8pp | 69.4%-19.4pp | 68.1%-18.1pp |
| Annual return | 12.37% | 40.24%-27.9pp | 31.07%-18.7pp | 53.51%-41.1pp |
| Employer contribution / active EE | $1,301 | $1,750-25.7% | $2,469-47.3% | $2,552-49.0% |
| Participant deferral / active EE | $3,496 | $3,138+11.4% | $4,092-14.6% | $4,126-15.3% |
| Admin fee / account holder | $3,861 | $5,504-29.9% | $7,578-49.0% | $7,339-47.4% |