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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 | $127,686 | $104,098+22.7% | $140,514-9.1% | $94,015+35.8% |
| Participation rate | 55.6% | 73.7%-18.2pp | 77.8%-22.2pp | 70.8%-15.3pp |
| Annual return | 3.14% | 15.14%-12.0pp | 14.36%-11.2pp | 17.84%-14.7pp |
| Employer contribution / active EE | $1,989 | $2,388-16.7% | $3,378-41.1% | $2,790-28.7% |
| Participant deferral / active EE | $3,367 | $4,033-16.5% | $4,919-31.5% | $4,249-20.8% |
| Admin fee / account holder | $3,769 | $10,439-63.9% | $13,697-72.5% | $8,951-57.9% |