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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 | $120,394 | $67,606+78.1% | $82,313+46.3% | $70,124+71.7% |
| Participation rate | 60.0% | 72.8%-12.8pp | 76.9%-16.9pp | 69.5%-9.5pp |
| Annual return | 12.01% | 21.57%-9.6pp | 25.88%-13.9pp | 73.14%-61.1pp |
| Employer contribution / active EE | $1,414 | $1,755-19.4% | $2,428-41.8% | $2,342-39.6% |
| Participant deferral / active EE | $2,891 | $2,987-3.2% | $3,706-22.0% | $3,332-13.2% |
| Admin fee / account holder | $21,045 | $4,512+366.4% | $5,608+275.3% | $4,645+353.0% |