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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 | $93,055+34.9% | $153,643-18.3% | $80,935+55.0% |
| Participation rate | 57.9% | 69.0%-11.1pp | 77.1%-19.2pp | 67.7%-9.8pp |
| Annual return | 10.55% | 19.97%-9.4pp | 15.71%-5.2pp | 35.66%-25.1pp |
| Employer contribution / active EE | $1,414 | $3,504-59.6% | $5,039-71.9% | $2,757-48.7% |
| Participant deferral / active EE | $5,386 | $5,172+4.1% | $6,754-20.3% | $4,299+25.3% |
| Admin fee / account holder | $2,850 | $8,881-67.9% | $12,739-77.6% | $6,924-58.8% |