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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 | $101,178 | $77,472+30.6% | $100,392+0.8% | $80,935+25.0% |
| Participation rate | 44.0% | 76.9%-32.9pp | 81.5%-37.5pp | 67.7%-23.7pp |
| Annual return | 11.43% | 37.26%-25.8pp | 49.45%-38.0pp | 35.66%-24.2pp |
| Employer contribution / active EE | $1,847 | $2,800-34.1% | $3,941-53.2% | $2,757-33.0% |
| Participant deferral / active EE | $3,087 | $6,818-54.7% | $8,090-61.8% | $4,299-28.2% |
| Admin fee / account holder | $3,757 | $5,885-36.2% | $7,904-52.5% | $6,924-45.7% |