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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 | $137,695 | $69,444+98.3% | $92,985+48.1% | $87,485+57.4% |
| Participation rate | 38.6% | 63.3%-24.7pp | 69.5%-30.9pp | 68.9%-30.4pp |
| Annual return | 12.64% | 23.85%-11.2pp | 27.99%-15.3pp | 26.06%-13.4pp |
| Employer contribution / active EE | $2,452 | $1,917+27.9% | $2,662-7.9% | $2,596-5.5% |
| Participant deferral / active EE | $5,345 | $3,364+58.9% | $4,377+22.1% | $4,274+25.1% |
| Admin fee / account holder | $7,148 | $6,137+16.5% | $9,463-24.5% | $7,775-8.1% |