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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 | $125,939 | $57,061+120.7% | $85,063+48.1% | $80,911+55.7% |
| Participation rate | 53.3% | 56.3%-3.0pp | 67.5%-14.2pp | 67.6%-14.3pp |
| Annual return | 10.13% | 21.66%-11.5pp | 66.54%-56.4pp | 35.63%-25.5pp |
| Employer contribution / active EE | $1,051 | $1,799-41.6% | $2,727-61.5% | $2,756-61.9% |
| Participant deferral / active EE | $3,032 | $3,110-2.5% | $4,523-33.0% | $4,297-29.4% |
| Admin fee / account holder | $1,210 | $4,986-75.7% | $6,155-80.3% | $6,935-82.5% |