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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 | $80,225 | $62,672+28.0% | $185,117-56.7% | $70,126+14.4% |
| Participation rate | 48.1% | 63.8%-15.6pp | 77.3%-29.1pp | 69.5%-21.4pp |
| Annual return | 12.78% | 40.79%-28.0pp | 40.50%-27.7pp | 73.15%-60.4pp |
| Employer contribution / active EE | $2,254 | $1,753+28.6% | $4,182-46.1% | $2,343-3.8% |
| Participant deferral / active EE | $5,271 | $3,272+61.1% | $5,045+4.5% | $3,332+58.2% |
| Admin fee / account holder | $837 | $3,932-78.7% | $8,159-89.7% | $4,645-82.0% |