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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 | $111,901 | $81,487+37.3% | $102,412+9.3% | $80,935+38.3% |
| Participation rate | 54.3% | 66.8%-12.6pp | 74.5%-20.2pp | 67.7%-13.4pp |
| Annual return | 9.24% | 25.60%-16.4pp | 24.94%-15.7pp | 35.66%-26.4pp |
| Employer contribution / active EE | $1,257 | $3,103-59.5% | $3,870-67.5% | $2,757-54.4% |
| Participant deferral / active EE | $2,421 | $3,871-37.5% | $5,060-52.2% | $4,299-43.7% |
| Admin fee / account holder | $1,506 | $6,717-77.6% | $8,388-82.0% | $6,924-78.3% |