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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 | $135,990 | $65,027+109.1% | $90,970+49.5% | $79,852+70.3% |
| Participation rate | 37.3% | 61.6%-24.4pp | 69.0%-31.8pp | 69.6%-32.4pp |
| Annual return | 7.86% | 30.45%-22.6pp | 134.58%-126.7pp | 31.72%-23.9pp |
| Employer contribution / active EE | $1,056 | $1,247-15.4% | $2,122-50.3% | $2,471-57.3% |
| Participant deferral / active EE | $2,023 | $2,512-19.5% | $3,373-40.0% | $3,740-45.9% |
| Admin fee / account holder | $2,589 | $4,535-42.9% | $5,960-56.6% | $5,306-51.2% |