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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 | $140,204 | $108,825+28.8% | $156,181-10.2% | $82,448+70.1% |
| Participation rate | 56.3% | 72.4%-16.1pp | 78.8%-22.6pp | 68.1%-11.8pp |
| Annual return | 8.21% | 20.59%-12.4pp | 64.87%-56.7pp | 41.64%-33.4pp |
| Employer contribution / active EE | $1,065 | $2,870-62.9% | $4,294-75.2% | $2,551-58.3% |
| Participant deferral / active EE | $3,761 | $4,577-17.8% | $6,132-38.7% | $4,139-9.1% |
| Admin fee / account holder | $2,946 | $9,341-68.5% | $14,586-79.8% | $7,234-59.3% |