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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 | $111,747 | $57,073+95.8% | $85,126+31.3% | $80,925+38.1% |
| Participation rate | 40.0% | 56.4%-16.4pp | 67.5%-27.5pp | 67.7%-27.7pp |
| Annual return | 9.12% | 21.69%-12.6pp | 66.63%-57.5pp | 35.65%-26.5pp |
| Employer contribution / active EE | $1,310 | $1,801-27.2% | $2,731-52.0% | $2,756-52.5% |
| Participant deferral / active EE | $3,030 | $3,113-2.7% | $4,523-33.0% | $4,299-29.5% |
| Admin fee / account holder | $969 | $4,988-80.6% | $6,160-84.3% | $6,940-86.0% |