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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 | $119,546 | $104,098+14.8% | $140,514-14.9% | $94,015+27.2% |
| Participation rate | 53.8% | 73.7%-19.9pp | 77.8%-24.0pp | 70.8%-17.0pp |
| Annual return | 9.92% | 15.14%-5.2pp | 14.36%-4.4pp | 17.84%-7.9pp |
| Employer contribution / active EE | $700 | $2,388-70.7% | $3,378-79.3% | $2,790-74.9% |
| Participant deferral / active EE | $2,999 | $4,033-25.6% | $4,919-39.0% | $4,249-29.4% |
| Admin fee / account holder | $2,687 | $10,439-74.3% | $13,697-80.4% | $8,951-70.0% |