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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 | $138,638 | $95,453+45.2% | $112,040+23.7% | $82,448+68.2% |
| Participation rate | 40.5% | 72.8%-32.2pp | 76.5%-36.0pp | 68.1%-27.5pp |
| Annual return | 12.25% | 23.92%-11.7pp | 24.52%-12.3pp | 41.64%-29.4pp |
| Employer contribution / active EE | $1,303 | $2,318-43.8% | $2,954-55.9% | $2,551-48.9% |
| Participant deferral / active EE | $3,897 | $4,224-7.7% | $5,098-23.5% | $4,139-5.8% |
| Admin fee / account holder | $8,284 | $9,013-8.1% | $12,098-31.5% | $7,234+14.5% |