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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 | $137,724 | $106,524+29.3% | $152,301-9.6% | $87,485+57.4% |
| Participation rate | 63.0% | 75.8%-12.8pp | 82.4%-19.5pp | 68.9%-6.0pp |
| Annual return | 10.15% | 26.89%-16.7pp | 80.50%-70.4pp | 26.06%-15.9pp |
| Employer contribution / active EE | $2,301 | $3,371-31.7% | $4,624-50.2% | $2,596-11.4% |
| Participant deferral / active EE | $3,989 | $6,525-38.9% | $8,004-50.2% | $4,274-6.7% |
| Admin fee / account holder | $762 | $8,287-90.8% | $14,398-94.7% | $7,775-90.2% |