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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 | $177,760 | $106,524+66.9% | $152,301+16.7% | $87,485+103.2% |
| Participation rate | 37.2% | 75.8%-38.5pp | 82.4%-45.2pp | 68.9%-31.7pp |
| Annual return | 13.12% | 26.89%-13.8pp | 80.50%-67.4pp | 26.06%-12.9pp |
| Employer contribution / active EE | $690 | $3,371-79.5% | $4,624-85.1% | $2,596-73.4% |
| Participant deferral / active EE | $2,865 | $6,525-56.1% | $8,004-64.2% | $4,274-33.0% |
| Admin fee / account holder | $2,678 | $8,287-67.7% | $14,398-81.4% | $7,775-65.6% |