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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 | $118,697 | $63,355+87.4% | $91,994+29.0% | $72,983+62.6% |
| Participation rate | 38.7% | 72.5%-33.8pp | 78.6%-39.9pp | 69.5%-30.8pp |
| Annual return | 19.25% | 35.35%-16.1pp | 69.03%-49.8pp | 81.01%-61.8pp |
| Employer contribution / active EE | $1,072 | $2,116-49.3% | $3,452-68.9% | $2,440-56.0% |
| Participant deferral / active EE | $3,838 | $4,883-21.4% | $5,923-35.2% | $3,608+6.4% |
| Admin fee / account holder | $1,947 | $4,668-58.3% | $7,743-74.9% | $5,124-62.0% |