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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 | $95,453+33.8% | $112,040+14.0% | $82,448+54.9% |
| Participation rate | 55.6% | 72.8%-17.2pp | 76.5%-20.9pp | 68.1%-12.5pp |
| Annual return | 3.14% | 23.92%-20.8pp | 24.52%-21.4pp | 41.64%-38.5pp |
| Employer contribution / active EE | $1,989 | $2,318-14.2% | $2,954-32.7% | $2,551-22.0% |
| Participant deferral / active EE | $3,367 | $4,224-20.3% | $5,098-33.9% | $4,139-18.7% |
| Admin fee / account holder | $3,769 | $9,013-58.2% | $12,098-68.8% | $7,234-47.9% |