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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 | $141,901 | $71,215+99.3% | $93,696+51.4% | $80,935+75.3% |
| Participation rate | 44.0% | 60.4%-16.4pp | 68.7%-24.7pp | 67.7%-23.7pp |
| Annual return | 9.07% | 11.27%-2.2pp | 133.74%-124.7pp | 35.66%-26.6pp |
| Employer contribution / active EE | $1,368 | $1,565-12.6% | $2,422-43.5% | $2,757-50.4% |
| Participant deferral / active EE | $3,628 | $4,037-10.1% | $4,417-17.8% | $4,299-15.6% |
| Admin fee / account holder | $8,116 | $6,958+16.6% | $8,287-2.1% | $6,924+17.2% |