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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 | $112,532 | $97,550+15.4% | $120,344-6.5% | $87,485+28.6% |
| Participation rate | 52.6% | 72.8%-20.2pp | 76.7%-24.1pp | 68.9%-16.3pp |
| Annual return | 11.37% | 18.41%-7.0pp | 20.30%-8.9pp | 26.06%-14.7pp |
| Employer contribution / active EE | $1,706 | $2,291-25.5% | $3,020-43.5% | $2,596-34.3% |
| Participant deferral / active EE | $3,578 | $4,230-15.4% | $5,135-30.3% | $4,274-16.3% |
| Admin fee / account holder | $13,588 | $9,543+42.4% | $12,742+6.6% | $7,775+74.8% |