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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 | $81,403+30.2% | $147,027-27.9% | $87,485+21.2% |
| Participation rate | 55.4% | 63.4%-8.1pp | 73.7%-18.4pp | 68.9%-13.6pp |
| Annual return | 4.54% | 16.51%-12.0pp | 20.23%-15.7pp | 26.06%-21.5pp |
| Employer contribution / active EE | $2,155 | $2,205-2.3% | $3,626-40.6% | $2,596-17.0% |
| Participant deferral / active EE | $2,511 | $3,315-24.3% | $4,933-49.1% | $4,274-41.3% |
| Admin fee / account holder | $8,053 | $6,755+19.2% | $12,223-34.1% | $7,775+3.6% |