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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 | $137,104 | $86,922+57.7% | $102,438+33.8% | $80,874+69.5% |
| Participation rate | 34.2% | 72.4%-38.2pp | 76.5%-42.3pp | 67.6%-33.4pp |
| Annual return | 8.07% | 18.90%-10.8pp | 29.37%-21.3pp | 35.62%-27.6pp |
| Employer contribution / active EE | $1,078 | $2,369-54.5% | $3,024-64.4% | $2,756-60.9% |
| Participant deferral / active EE | $3,203 | $4,119-22.2% | $5,054-36.6% | $4,297-25.4% |
| Admin fee / account holder | $1,423 | $8,050-82.3% | $9,448-84.9% | $6,935-79.5% |