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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 | $109,341 | $81,446+34.3% | $103,374+5.8% | $80,874+35.2% |
| Participation rate | 40.7% | 66.9%-26.1pp | 74.5%-33.8pp | 67.6%-26.9pp |
| Annual return | 7.00% | 25.57%-18.6pp | 24.89%-17.9pp | 35.62%-28.6pp |
| Employer contribution / active EE | $1,782 | $3,107-42.7% | $3,869-54.0% | $2,756-35.3% |
| Participant deferral / active EE | $4,703 | $3,870+21.5% | $5,058-7.0% | $4,297+9.5% |
| Admin fee / account holder | $8,662 | $6,715+29.0% | $8,394+3.2% | $6,935+24.9% |