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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 | $131,648 | $83,485+57.7% | $125,195+5.2% | $72,976+80.4% |
| Participation rate | 51.7% | 73.3%-21.6pp | 79.8%-28.1pp | 69.5%-17.8pp |
| Annual return | 13.46% | 25.77%-12.3pp | 43.79%-30.3pp | 81.02%-67.6pp |
| Employer contribution / active EE | $1,115 | $2,346-52.5% | $3,866-71.2% | $2,440-54.3% |
| Participant deferral / active EE | $1,728 | $3,586-51.8% | $4,937-65.0% | $3,608-52.1% |
| Admin fee / account holder | $11,258 | $5,518+104.0% | $9,704+16.0% | $5,124+119.7% |