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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 | $104,956 | $81,504+28.8% | $102,437+2.5% | $80,959+29.6% |
| Participation rate | 46.4% | 66.9%-20.4pp | 74.5%-28.1pp | 67.7%-21.2pp |
| Annual return | 9.26% | 25.60%-16.3pp | 24.95%-15.7pp | 35.67%-26.4pp |
| Employer contribution / active EE | $1,321 | $3,104-57.4% | $3,871-65.9% | $2,757-52.1% |
| Participant deferral / active EE | $2,731 | $3,871-29.4% | $5,060-46.0% | $4,300-36.5% |
| Admin fee / account holder | $2,216 | $6,719-67.0% | $8,388-73.6% | $6,925-68.0% |