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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 | $115,530 | $106,864+8.1% | $147,318-21.6% | $82,637+39.8% |
| Participation rate | 44.4% | 75.5%-31.1pp | 82.1%-37.6pp | 68.1%-23.6pp |
| Annual return | 12.00% | 27.49%-15.5pp | 70.43%-58.4pp | 53.51%-41.5pp |
| Employer contribution / active EE | $1,496 | $3,417-56.2% | $4,593-67.4% | $2,552-41.4% |
| Participant deferral / active EE | $3,717 | $6,496-42.8% | $7,906-53.0% | $4,126-9.9% |
| Admin fee / account holder | $2,641 | $8,415-68.6% | $13,708-80.7% | $7,339-64.0% |