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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 | $134,235 | $106,749+25.7% | $145,433-7.7% | $82,448+62.8% |
| Participation rate | 61.8% | 75.6%-13.9pp | 82.1%-20.4pp | 68.1%-6.3pp |
| Annual return | 12.81% | 27.59%-14.8pp | 66.58%-53.8pp | 41.64%-28.8pp |
| Employer contribution / active EE | $2,183 | $3,444-36.6% | $4,554-52.1% | $2,551-14.4% |
| Participant deferral / active EE | $4,712 | $6,519-27.7% | $7,897-40.3% | $4,139+13.8% |
| Admin fee / account holder | $27,686 | $8,390+230.0% | $13,129+110.9% | $7,234+282.7% |