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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 | $101,450 | $81,504+24.5% | $102,437-1.0% | $80,959+25.3% |
| Participation rate | 45.5% | 66.9%-21.4pp | 74.5%-29.1pp | 67.7%-22.2pp |
| Annual return | 9.38% | 25.60%-16.2pp | 24.95%-15.6pp | 35.67%-26.3pp |
| Employer contribution / active EE | $1,221 | $3,104-60.7% | $3,871-68.5% | $2,757-55.7% |
| Participant deferral / active EE | $4,033 | $3,871+4.2% | $5,060-20.3% | $4,300-6.2% |
| Admin fee / account holder | $3,022 | $6,719-55.0% | $8,388-64.0% | $6,925-56.4% |