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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 | $122,358 | $86,938+40.7% | $102,423+19.5% | $80,925+51.2% |
| Participation rate | 54.1% | 72.4%-18.3pp | 76.5%-22.4pp | 67.7%-13.6pp |
| Annual return | 9.74% | 18.89%-9.1pp | 29.42%-19.7pp | 35.65%-25.9pp |
| Employer contribution / active EE | $1,168 | $2,369-50.7% | $3,023-61.4% | $2,756-57.6% |
| Participant deferral / active EE | $3,189 | $4,120-22.6% | $5,054-36.9% | $4,299-25.8% |
| Admin fee / account holder | $3,005 | $8,053-62.7% | $9,455-68.2% | $6,940-56.7% |