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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 | $125,825 | $87,878+43.2% | $97,411+29.2% | $82,637+52.3% |
| Participation rate | 53.7% | 75.6%-21.9pp | 80.4%-26.7pp | 68.1%-14.4pp |
| Annual return | 11.54% | 54.63%-43.1pp | 34.72%-23.2pp | 53.51%-42.0pp |
| Employer contribution / active EE | $1,229 | $3,800-67.7% | $4,210-70.8% | $2,552-51.8% |
| Participant deferral / active EE | $2,725 | $5,525-50.7% | $5,886-53.7% | $4,126-33.9% |
| Admin fee / account holder | $1,534 | $6,743-77.2% | $7,145-78.5% | $7,339-79.1% |