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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 | $107,824 | $87,180+23.7% | $173,703-37.9% | $94,015+14.7% |
| Participation rate | 50.0% | 65.6%-15.6pp | 75.9%-25.9pp | 70.8%-20.8pp |
| Annual return | 7.66% | 14.17%-6.5pp | 17.46%-9.8pp | 17.84%-10.2pp |
| Employer contribution / active EE | $1,831 | $2,494-26.6% | $4,288-57.3% | $2,790-34.4% |
| Participant deferral / active EE | $2,217 | $3,343-33.7% | $4,854-54.3% | $4,249-47.8% |
| Admin fee / account holder | $7,445 | $7,506-0.8% | $15,562-52.2% | $8,951-16.8% |