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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 | $125,902 | $88,672+42.0% | $105,223+19.7% | $82,448+52.7% |
| Participation rate | 45.7% | 67.9%-22.2pp | 75.0%-29.3pp | 68.1%-22.4pp |
| Annual return | 11.71% | 30.86%-19.1pp | 180.65%-168.9pp | 41.64%-29.9pp |
| Employer contribution / active EE | $1,976 | $3,048-35.2% | $3,689-46.4% | $2,551-22.5% |
| Participant deferral / active EE | $2,219 | $4,036-45.0% | $5,072-56.3% | $4,139-46.4% |
| Admin fee / account holder | $1,550 | $7,146-78.3% | $8,859-82.5% | $7,234-78.6% |