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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 | $108,484 | $89,515+21.2% | $103,486+4.8% | $80,935+34.0% |
| Participation rate | 53.5% | 76.0%-22.5pp | 80.5%-27.1pp | 67.7%-14.2pp |
| Annual return | 11.50% | 22.82%-11.3pp | 23.93%-12.4pp | 35.66%-24.2pp |
| Employer contribution / active EE | $1,148 | $4,015-71.4% | $4,679-75.5% | $2,757-58.4% |
| Participant deferral / active EE | $2,863 | $5,463-47.6% | $6,628-56.8% | $4,299-33.4% |
| Admin fee / account holder | $48,043 | $6,527+636.0% | $9,354+413.6% | $6,924+593.8% |