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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 | $142,098 | $78,682+80.6% | $109,188+30.1% | $85,851+65.5% |
| Participation rate | 28.2% | 68.3%-40.1pp | 75.9%-47.7pp | 69.3%-41.1pp |
| Annual return | 8.49% | 25.09%-16.6pp | 25.76%-17.3pp | 318.63%-310.1pp |
| Employer contribution / active EE | $1,089 | $2,734-60.2% | $3,723-70.7% | $2,565-57.5% |
| Participant deferral / active EE | $2,406 | $3,468-30.6% | $4,654-48.3% | $3,952-39.1% |
| Admin fee / account holder | $5,070 | $5,470-7.3% | $6,755-25.0% | $6,261-19.0% |