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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 | $97,271 | $58,512+66.2% | $84,020+15.8% | $72,983+33.3% |
| Participation rate | 48.5% | 61.2%-12.7pp | 69.0%-20.5pp | 69.5%-21.0pp |
| Annual return | 15.71% | 28.93%-13.2pp | 71.31%-55.6pp | 81.01%-65.3pp |
| Employer contribution / active EE | $1,022 | $1,163-12.1% | $1,984-48.5% | $2,440-58.1% |
| Participant deferral / active EE | $3,050 | $2,394+27.4% | $3,239-5.8% | $3,608-15.5% |
| Admin fee / account holder | $5,009 | $4,569+9.6% | $6,101-17.9% | $5,124-2.2% |