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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 | $77,574+23.1% | $108,753-12.2% | $86,983+9.8% |
| Participation rate | 45.7% | 62.3%-16.6pp | 71.1%-25.4pp | 69.5%-23.8pp |
| Annual return | 11.39% | 18.42%-7.0pp | 37.47%-26.1pp | 25.83%-14.4pp |
| Employer contribution / active EE | $635 | $1,611-60.6% | $2,427-73.8% | $2,584-75.4% |
| Participant deferral / active EE | $2,874 | $3,128-8.1% | $4,115-30.1% | $4,194-31.5% |
| Admin fee / account holder | $4,028 | $6,529-38.3% | $10,320-61.0% | $7,856-48.7% |