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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 | $104,495 | $81,487+28.2% | $102,412+2.0% | $80,935+29.1% |
| Participation rate | 43.2% | 66.8%-23.6pp | 74.5%-31.3pp | 67.7%-24.4pp |
| Annual return | 9.06% | 25.60%-16.5pp | 24.94%-15.9pp | 35.66%-26.6pp |
| Employer contribution / active EE | $2,218 | $3,103-28.5% | $3,870-42.7% | $2,757-19.5% |
| Participant deferral / active EE | $3,446 | $3,871-11.0% | $5,060-31.9% | $4,299-19.9% |
| Admin fee / account holder | $1,938 | $6,717-71.2% | $8,388-76.9% | $6,924-72.0% |