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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 | $125,208 | $78,682+59.1% | $109,188+14.7% | $85,851+45.8% |
| Participation rate | 51.3% | 68.3%-17.0pp | 75.9%-24.6pp | 69.3%-18.0pp |
| Annual return | 8.77% | 25.09%-16.3pp | 25.76%-17.0pp | 318.63%-309.9pp |
| Employer contribution / active EE | $1,020 | $2,734-62.7% | $3,723-72.6% | $2,565-60.2% |
| Participant deferral / active EE | $2,830 | $3,468-18.4% | $4,654-39.2% | $3,952-28.4% |
| Admin fee / account holder | $14,384 | $5,470+163.0% | $6,755+112.9% | $6,261+129.7% |