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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 | $81,403+32.5% | $147,027-26.7% | $87,485+23.2% |
| Participation rate | 50.0% | 63.4%-13.4pp | 73.7%-23.7pp | 68.9%-18.9pp |
| Annual return | 7.66% | 16.51%-8.8pp | 20.23%-12.6pp | 26.06%-18.4pp |
| Employer contribution / active EE | $1,831 | $2,205-17.0% | $3,626-49.5% | $2,596-29.5% |
| Participant deferral / active EE | $2,217 | $3,315-33.1% | $4,933-55.1% | $4,274-48.1% |
| Admin fee / account holder | $7,445 | $6,755+10.2% | $12,223-39.1% | $7,775-4.2% |