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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 | $125,490 | $93,057+34.9% | $153,500-18.2% | $80,925+55.1% |
| Participation rate | 57.9% | 69.0%-11.1pp | 77.1%-19.2pp | 67.7%-9.8pp |
| Annual return | 10.55% | 19.96%-9.4pp | 15.70%-5.2pp | 35.65%-25.1pp |
| Employer contribution / active EE | $1,414 | $3,507-59.7% | $5,039-71.9% | $2,756-48.7% |
| Participant deferral / active EE | $5,386 | $5,179+4.0% | $6,756-20.3% | $4,299+25.3% |
| Admin fee / account holder | $2,850 | $8,885-67.9% | $12,736-77.6% | $6,940-58.9% |