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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 | $99,470 | $79,955+24.4% | $98,461+1.0% | $75,173+32.3% |
| Participation rate | 53.1% | 70.4%-17.2pp | 75.2%-22.0pp | 67.2%-14.1pp |
| Annual return | 12.72% | 19.75%-7.0pp | 21.17%-8.4pp | 160.72%-148.0pp |
| Employer contribution / active EE | $774 | $2,264-65.8% | $3,049-74.6% | $2,671-71.0% |
| Participant deferral / active EE | $2,316 | $3,752-38.3% | $4,738-51.1% | $4,126-43.9% |
| Admin fee / account holder | $3,178 | $6,841-53.5% | $8,961-64.5% | $5,651-43.8% |