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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 | $114,802 | $83,485+37.5% | $125,195-8.3% | $72,976+57.3% |
| Participation rate | 69.4% | 73.3%-3.9pp | 79.8%-10.3pp | 69.5%0pp |
| Annual return | 15.94% | 25.77%-9.8pp | 43.79%-27.9pp | 81.02%-65.1pp |
| Employer contribution / active EE | $1,128 | $2,346-51.9% | $3,866-70.8% | $2,440-53.8% |
| Participant deferral / active EE | $2,299 | $3,586-35.9% | $4,937-53.4% | $3,608-36.3% |
| Admin fee / account holder | $5,801 | $5,518+5.1% | $9,704-40.2% | $5,124+13.2% |