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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 | $102,450 | $84,953+20.6% | $163,379-37.3% | $82,637+24.0% |
| Participation rate | 42.3% | 65.9%-23.6pp | 76.8%-34.5pp | 68.1%-25.7pp |
| Annual return | 10.70% | 23.07%-12.4pp | 63.41%-52.7pp | 53.51%-42.8pp |
| Employer contribution / active EE | $1,430 | $2,183-34.5% | $3,752-61.9% | $2,552-44.0% |
| Participant deferral / active EE | $3,777 | $4,326-12.7% | $6,282-39.9% | $4,126-8.5% |
| Admin fee / account holder | $9,218 | $7,921+16.4% | $9,818-6.1% | $7,339+25.6% |