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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 | $72,607+37.0% | $90,259+10.2% | $87,485+13.7% |
| Participation rate | 47.8% | 64.8%-17.0pp | 70.7%-22.9pp | 68.9%-21.1pp |
| Annual return | 8.74% | 18.59%-9.8pp | 18.88%-10.1pp | 26.06%-17.3pp |
| Employer contribution / active EE | $1,432 | $1,919-25.4% | $2,291-37.5% | $2,596-44.8% |
| Participant deferral / active EE | $4,004 | $3,055+31.1% | $3,827+4.6% | $4,274-6.3% |
| Admin fee / account holder | $8,392 | $5,947+41.1% | $7,267+15.5% | $7,775+7.9% |