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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 | $119,387 | $81,476+46.5% | $102,383+16.6% | $80,925+47.5% |
| Participation rate | 30.2% | 66.8%-36.6pp | 74.5%-44.3pp | 67.7%-37.4pp |
| Annual return | 10.45% | 25.59%-15.1pp | 24.94%-14.5pp | 35.65%-25.2pp |
| Employer contribution / active EE | $1,351 | $3,105-56.5% | $3,870-65.1% | $2,756-51.0% |
| Participant deferral / active EE | $2,687 | $3,871-30.6% | $5,060-46.9% | $4,299-37.5% |
| Admin fee / account holder | $1,715 | $6,717-74.5% | $8,391-79.6% | $6,940-75.3% |