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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 | $132,424 | $81,358+62.8% | $155,556-14.9% | $80,959+63.6% |
| Participation rate | 44.4% | 66.3%-21.8pp | 78.2%-33.8pp | 67.7%-23.2pp |
| Annual return | 9.57% | 33.39%-23.8pp | 64.84%-55.3pp | 35.67%-26.1pp |
| Employer contribution / active EE | $2,175 | $3,106-30.0% | $4,675-53.5% | $2,757-21.1% |
| Participant deferral / active EE | $3,987 | $3,455+15.4% | $5,631-29.2% | $4,300-7.3% |
| Admin fee / account holder | $1,205 | $7,994-84.9% | $15,885-92.4% | $6,925-82.6% |