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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 | $130,716 | $86,940+50.4% | $102,434+27.6% | $80,935+61.5% |
| Participation rate | 57.6% | 72.4%-14.8pp | 76.5%-18.9pp | 67.7%-10.1pp |
| Annual return | 10.20% | 18.89%-8.7pp | 29.46%-19.3pp | 35.66%-25.5pp |
| Employer contribution / active EE | $1,674 | $2,370-29.4% | $3,023-44.6% | $2,757-39.3% |
| Participant deferral / active EE | $3,703 | $4,121-10.1% | $5,055-26.7% | $4,299-13.9% |
| Admin fee / account holder | $5,427 | $8,047-32.6% | $9,462-42.6% | $6,924-21.6% |