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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 | $123,086 | $86,949+41.6% | $102,460+20.1% | $80,959+52.0% |
| Participation rate | 50.0% | 72.4%-22.4pp | 76.5%-26.5pp | 67.7%-17.7pp |
| Annual return | 8.70% | 18.89%-10.2pp | 29.47%-20.8pp | 35.67%-27.0pp |
| Employer contribution / active EE | $2,128 | $2,370-10.2% | $3,025-29.7% | $2,757-22.8% |
| Participant deferral / active EE | $5,163 | $4,121+25.3% | $5,056+2.1% | $4,300+20.1% |
| Admin fee / account holder | $1,848 | $8,048-77.0% | $9,460-80.5% | $6,925-73.3% |