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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 | $108,133 | $106,864+1.2% | $147,318-26.6% | $82,637+30.9% |
| Participation rate | 46.8% | 75.5%-28.7pp | 82.1%-35.3pp | 68.1%-21.2pp |
| Annual return | 12.55% | 27.49%-14.9pp | 70.43%-57.9pp | 53.51%-41.0pp |
| Employer contribution / active EE | $1,992 | $3,417-41.7% | $4,593-56.6% | $2,552-22.0% |
| Participant deferral / active EE | $5,900 | $6,496-9.2% | $7,906-25.4% | $4,126+43.0% |
| Admin fee / account holder | $17,716 | $8,415+110.5% | $13,708+29.2% | $7,339+141.4% |