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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 | $75,807+65.0% | $116,096+7.8% | $86,983+43.8% |
| Participation rate | 48.8% | 66.9%-18.1pp | 73.3%-24.5pp | 69.5%-20.8pp |
| Annual return | 9.37% | 18.57%-9.2pp | 326.25%-316.9pp | 25.83%-16.5pp |
| Employer contribution / active EE | $976 | $1,892-48.4% | $2,503-61.0% | $2,584-62.2% |
| Participant deferral / active EE | $2,493 | $3,212-22.4% | $3,952-36.9% | $4,194-40.5% |
| Admin fee / account holder | $4,697 | $6,659-29.5% | $7,704-39.0% | $7,856-40.2% |