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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 | $117,108 | $87,132+34.4% | $105,624+10.9% | $80,959+44.7% |
| Participation rate | 36.0% | 70.4%-34.4pp | 75.3%-39.3pp | 67.7%-31.7pp |
| Annual return | 7.20% | 17.03%-9.8pp | 116.20%-109.0pp | 35.67%-28.5pp |
| Employer contribution / active EE | $726 | $2,397-69.7% | $3,168-77.1% | $2,757-73.7% |
| Participant deferral / active EE | $3,088 | $3,985-22.5% | $5,013-38.4% | $4,300-28.2% |
| Admin fee / account holder | $10,622 | $8,449+25.7% | $10,961-3.1% | $6,925+53.4% |