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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 | $141,317 | $106,749+32.4% | $145,433-2.8% | $82,448+71.4% |
| Participation rate | 57.4% | 75.6%-18.2pp | 82.1%-24.7pp | 68.1%-10.6pp |
| Annual return | 13.90% | 27.59%-13.7pp | 66.58%-52.7pp | 41.64%-27.7pp |
| Employer contribution / active EE | $2,343 | $3,444-32.0% | $4,554-48.6% | $2,551-8.1% |
| Participant deferral / active EE | $5,064 | $6,519-22.3% | $7,897-35.9% | $4,139+22.3% |
| Admin fee / account holder | $1,077 | $8,390-87.2% | $13,129-91.8% | $7,234-85.1% |