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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 | $125,285 | $86,949+44.1% | $102,460+22.3% | $80,959+54.8% |
| Participation rate | 51.4% | 72.4%-21.0pp | 76.5%-25.1pp | 67.7%-16.2pp |
| Annual return | 9.12% | 18.89%-9.8pp | 29.47%-20.3pp | 35.67%-26.5pp |
| Employer contribution / active EE | $1,567 | $2,370-33.9% | $3,025-48.2% | $2,757-43.2% |
| Participant deferral / active EE | $2,410 | $4,121-41.5% | $5,056-52.3% | $4,300-44.0% |
| Admin fee / account holder | $1,987 | $8,048-75.3% | $9,460-79.0% | $6,925-71.3% |