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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 | $86,938+41.6% | $102,423+20.2% | $80,925+52.1% |
| Participation rate | 50.0% | 72.4%-22.4pp | 76.5%-26.5pp | 67.7%-17.7pp |
| Annual return | 8.70% | 18.89%-10.2pp | 29.42%-20.7pp | 35.65%-27.0pp |
| Employer contribution / active EE | $2,128 | $2,369-10.2% | $3,023-29.6% | $2,756-22.8% |
| Participant deferral / active EE | $5,163 | $4,120+25.3% | $5,054+2.2% | $4,299+20.1% |
| Admin fee / account holder | $1,848 | $8,053-77.1% | $9,455-80.5% | $6,940-73.4% |