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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 | $125,105 | $81,487+53.5% | $102,412+22.2% | $80,935+54.6% |
| Participation rate | 46.2% | 66.8%-20.7pp | 74.5%-28.3pp | 67.7%-21.5pp |
| Annual return | 9.21% | 25.60%-16.4pp | 24.94%-15.7pp | 35.66%-26.5pp |
| Employer contribution / active EE | $1,358 | $3,103-56.2% | $3,870-64.9% | $2,757-50.7% |
| Participant deferral / active EE | $2,991 | $3,871-22.7% | $5,060-40.9% | $4,299-30.4% |
| Admin fee / account holder | $36,931 | $6,717+449.8% | $8,388+340.3% | $6,924+433.4% |