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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 | $101,902 | $86,949+17.2% | $102,460-0.5% | $80,959+25.9% |
| Participation rate | 52.0% | 72.4%-20.4pp | 76.5%-24.5pp | 67.7%-15.7pp |
| Annual return | 7.81% | 18.89%-11.1pp | 29.47%-21.7pp | 35.67%-27.9pp |
| Employer contribution / active EE | $0 | $2,370-100.0% | $3,025-100.0% | $2,757-100.0% |
| Participant deferral / active EE | $4,278 | $4,121+3.8% | $5,056-15.4% | $4,300-0.5% |
| Admin fee / account holder | $1,322 | $8,048-83.6% | $9,460-86.0% | $6,925-80.9% |