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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 | $105,611 | $110,137-4.1% | $161,149-34.5% | $82,637+27.8% |
| Participation rate | 56.3% | 72.4%-16.1pp | 78.8%-22.6pp | 68.1%-11.8pp |
| Annual return | 12.27% | 20.69%-8.4pp | 21.16%-8.9pp | 53.51%-41.2pp |
| Employer contribution / active EE | $1,587 | $2,856-44.4% | $4,360-63.6% | $2,552-37.8% |
| Participant deferral / active EE | $3,990 | $4,575-12.8% | $6,153-35.2% | $4,126-3.3% |
| Admin fee / account holder | $3,073 | $9,467-67.5% | $15,194-79.8% | $7,339-58.1% |