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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 | $104,982 | $77,472+35.5% | $100,392+4.6% | $80,935+29.7% |
| Participation rate | 41.4% | 76.9%-35.6pp | 81.5%-40.1pp | 67.7%-26.3pp |
| Annual return | 11.94% | 37.26%-25.3pp | 49.45%-37.5pp | 35.66%-23.7pp |
| Employer contribution / active EE | $2,129 | $2,800-24.0% | $3,941-46.0% | $2,757-22.8% |
| Participant deferral / active EE | $4,830 | $6,818-29.2% | $8,090-40.3% | $4,299+12.3% |
| Admin fee / account holder | $11,165 | $5,885+89.7% | $7,904+41.3% | $6,924+61.2% |