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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 | $201,060 | $95,453+110.6% | $112,040+79.5% | $82,448+143.9% |
| Participation rate | 53.1% | 72.8%-19.6pp | 76.5%-23.4pp | 68.1%-14.9pp |
| Annual return | 10.01% | 23.92%-13.9pp | 24.52%-14.5pp | 41.64%-31.6pp |
| Employer contribution / active EE | $3,540 | $2,318+52.7% | $2,954+19.8% | $2,551+38.8% |
| Participant deferral / active EE | $5,564 | $4,224+31.7% | $5,098+9.2% | $4,139+34.4% |
| Admin fee / account holder | $1,708 | $9,013-81.0% | $12,098-85.9% | $7,234-76.4% |