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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 | $125,095 | $87,225+43.4% | $158,226-20.9% | $94,015+33.1% |
| Participation rate | 48.8% | 67.9%-19.2pp | 74.8%-26.0pp | 70.8%-22.0pp |
| Annual return | 9.37% | 16.34%-7.0pp | 501.41%-492.0pp | 17.84%-8.5pp |
| Employer contribution / active EE | $976 | $2,217-56.0% | $2,986-67.3% | $2,790-65.0% |
| Participant deferral / active EE | $2,493 | $3,405-26.8% | $4,317-42.2% | $4,249-41.3% |
| Admin fee / account holder | $4,697 | $7,888-40.5% | $10,217-54.0% | $8,951-47.5% |