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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 | $139,191 | $106,524+30.7% | $152,301-8.6% | $87,485+59.1% |
| Participation rate | 51.7% | 75.8%-24.0pp | 82.4%-30.7pp | 68.9%-17.2pp |
| Annual return | 12.75% | 26.89%-14.1pp | 80.50%-67.8pp | 26.06%-13.3pp |
| Employer contribution / active EE | $2,588 | $3,371-23.2% | $4,624-44.0% | $2,596-0.3% |
| Participant deferral / active EE | $5,358 | $6,525-17.9% | $8,004-33.1% | $4,274+25.4% |
| Admin fee / account holder | $1,292 | $8,287-84.4% | $14,398-91.0% | $7,775-83.4% |