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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 | $88,365 | $58,627+50.7% | $76,735+15.2% | $82,448+7.2% |
| Participation rate | 40.0% | 63.2%-23.2pp | 69.5%-29.5pp | 68.1%-28.1pp |
| Annual return | 11.06% | 39.10%-28.0pp | 29.77%-18.7pp | 41.64%-30.6pp |
| Employer contribution / active EE | $1,006 | $1,729-41.8% | $2,454-59.0% | $2,551-60.6% |
| Participant deferral / active EE | $1,469 | $3,134-53.1% | $4,088-64.1% | $4,139-64.5% |
| Admin fee / account holder | $5,023 | $5,323-5.6% | $7,189-30.1% | $7,234-30.6% |