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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 | $101,782 | $86,949+17.1% | $102,460-0.7% | $80,959+25.7% |
| Participation rate | 42.9% | 72.4%-29.5pp | 76.5%-33.7pp | 67.7%-24.8pp |
| Annual return | 7.60% | 18.89%-11.3pp | 29.47%-21.9pp | 35.67%-28.1pp |
| Employer contribution / active EE | $1,215 | $2,370-48.7% | $3,025-59.8% | $2,757-55.9% |
| Participant deferral / active EE | $2,105 | $4,121-48.9% | $5,056-58.4% | $4,300-51.0% |
| Admin fee / account holder | $682 | $8,048-91.5% | $9,460-92.8% | $6,925-90.1% |