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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 | $116,267 | $81,487+42.7% | $102,412+13.5% | $80,935+43.7% |
| Participation rate | 46.8% | 66.8%-20.1pp | 74.5%-27.8pp | 67.7%-20.9pp |
| Annual return | 10.24% | 25.60%-15.4pp | 24.94%-14.7pp | 35.66%-25.4pp |
| Employer contribution / active EE | $1,254 | $3,103-59.6% | $3,870-67.6% | $2,757-54.5% |
| Participant deferral / active EE | $3,576 | $3,871-7.6% | $5,060-29.3% | $4,299-16.8% |
| Admin fee / account holder | $8,133 | $6,717+21.1% | $8,388-3.0% | $6,924+17.5% |