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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 | $110,372 | $72,269+52.7% | $101,271+9.0% | $79,852+38.2% |
| Participation rate | 52.3% | 68.5%-16.2pp | 75.8%-23.5pp | 69.6%-17.4pp |
| Annual return | 0.96% | 22.29%-21.3pp | 46.48%-45.5pp | 31.72%-30.8pp |
| Employer contribution / active EE | $1,490 | $2,692-44.7% | $3,660-59.3% | $2,471-39.7% |
| Participant deferral / active EE | $3,294 | $3,282+0.4% | $4,371-24.6% | $3,740-11.9% |
| Admin fee / account holder | $2,850 | $4,401-35.2% | $5,948-52.1% | $5,306-46.3% |