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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 | $106,025 | $77,896+36.1% | $134,172-21.0% | $82,448+28.6% |
| Participation rate | 55.4% | 62.8%-7.4pp | 72.5%-17.1pp | 68.1%-12.7pp |
| Annual return | 4.54% | 18.21%-13.7pp | 25.30%-20.8pp | 41.64%-37.1pp |
| Employer contribution / active EE | $2,155 | $2,159-0.2% | $3,420-37.0% | $2,551-15.5% |
| Participant deferral / active EE | $2,511 | $3,162-20.6% | $4,690-46.5% | $4,139-39.3% |
| Admin fee / account holder | $8,053 | $6,336+27.1% | $12,016-33.0% | $7,234+11.3% |