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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 | $124,075 | $71,215+74.2% | $93,696+32.4% | $80,935+53.3% |
| Participation rate | 32.1% | 60.4%-28.3pp | 68.7%-36.6pp | 67.7%-35.5pp |
| Annual return | 7.92% | 11.27%-3.3pp | 133.74%-125.8pp | 35.66%-27.7pp |
| Employer contribution / active EE | $1,151 | $1,565-26.5% | $2,422-52.5% | $2,757-58.2% |
| Participant deferral / active EE | $2,460 | $4,037-39.1% | $4,417-44.3% | $4,299-42.8% |
| Admin fee / account holder | $2,241 | $6,958-67.8% | $8,287-73.0% | $6,924-67.6% |