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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 | $121,433 | $99,633+21.9% | $183,328-33.8% | $82,448+47.3% |
| Participation rate | 50.0% | 70.8%-20.8pp | 77.3%-27.3pp | 68.1%-18.1pp |
| Annual return | 12.38% | 17.84%-5.5pp | 29.67%-17.3pp | 41.64%-29.3pp |
| Employer contribution / active EE | $3,286 | $3,256+0.9% | $5,055-35.0% | $2,551+28.8% |
| Participant deferral / active EE | $4,939 | $4,9380% | $6,795-27.3% | $4,139+19.3% |
| Admin fee / account holder | $35,452 | $9,934+256.9% | $21,427+65.5% | $7,234+390.1% |