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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 | $121,296 | $96,731+25.4% | $123,973-2.2% | $86,983+39.4% |
| Participation rate | 39.3% | 70.0%-30.7pp | 76.7%-37.4pp | 69.5%-30.3pp |
| Annual return | 3.03% | 17.33%-14.3pp | 388.13%-385.1pp | 25.83%-22.8pp |
| Employer contribution / active EE | $1,630 | $3,297-50.6% | $4,126-60.5% | $2,584-36.9% |
| Participant deferral / active EE | $2,914 | $4,152-29.8% | $5,247-44.5% | $4,194-30.5% |
| Admin fee / account holder | $4,998 | $8,722-42.7% | $11,799-57.6% | $7,856-36.4% |