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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 | $95,485 | $76,834+24.3% | $108,359-11.9% | $87,485+9.1% |
| Participation rate | 45.7% | 61.7%-16.0pp | 70.1%-24.4pp | 68.9%-23.2pp |
| Annual return | 11.39% | 19.09%-7.7pp | 36.89%-25.5pp | 26.06%-14.7pp |
| Employer contribution / active EE | $635 | $1,556-59.2% | $2,399-73.5% | $2,596-75.5% |
| Participant deferral / active EE | $2,874 | $3,100-7.3% | $4,137-30.5% | $4,274-32.7% |
| Admin fee / account holder | $4,028 | $6,537-38.4% | $9,741-58.7% | $7,775-48.2% |