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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 | $117,439 | $101,798+15.4% | $165,071-28.9% | $80,935+45.1% |
| Participation rate | 48.1% | 71.8%-23.8pp | 78.6%-30.5pp | 67.7%-19.6pp |
| Annual return | 10.31% | 16.73%-6.4pp | 70.17%-59.9pp | 35.66%-25.3pp |
| Employer contribution / active EE | $1,360 | $2,954-54.0% | $4,347-68.7% | $2,757-50.7% |
| Participant deferral / active EE | $2,864 | $4,476-36.0% | $6,035-52.5% | $4,299-33.4% |
| Admin fee / account holder | $479 | $8,221-94.2% | $12,695-96.2% | $6,924-93.1% |