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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 | $99,480 | $67,894+46.5% | $89,340+11.3% | $82,448+20.7% |
| Participation rate | 47.8% | 64.0%-16.2pp | 69.6%-21.7pp | 68.1%-20.2pp |
| Annual return | 8.74% | 19.21%-10.5pp | 20.57%-11.8pp | 41.64%-32.9pp |
| Employer contribution / active EE | $1,432 | $1,828-21.7% | $2,231-35.8% | $2,551-43.9% |
| Participant deferral / active EE | $4,004 | $3,072+30.3% | $3,823+4.7% | $4,139-3.3% |
| Admin fee / account holder | $8,392 | $5,723+46.6% | $6,704+25.2% | $7,234+16.0% |