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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 | $119,710 | $81,487+46.9% | $102,412+16.9% | $80,935+47.9% |
| Participation rate | 37.5% | 66.8%-29.3pp | 74.5%-37.0pp | 67.7%-30.2pp |
| Annual return | 7.09% | 25.60%-18.5pp | 24.94%-17.8pp | 35.66%-28.6pp |
| Employer contribution / active EE | $4,796 | $3,103+54.6% | $3,870+23.9% | $2,757+74.0% |
| Participant deferral / active EE | $2,949 | $3,871-23.8% | $5,060-41.7% | $4,299-31.4% |
| Admin fee / account holder | $4,336 | $6,717-35.5% | $8,388-48.3% | $6,924-37.4% |