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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 | $202,992 | $106,524+90.6% | $152,301+33.3% | $87,485+132.0% |
| Participation rate | 58.3% | 75.8%-17.4pp | 82.4%-24.1pp | 68.9%-10.6pp |
| Annual return | 13.22% | 26.89%-13.7pp | 80.50%-67.3pp | 26.06%-12.8pp |
| Employer contribution / active EE | $907 | $3,371-73.1% | $4,624-80.4% | $2,596-65.0% |
| Participant deferral / active EE | $3,715 | $6,525-43.1% | $8,004-53.6% | $4,274-13.1% |
| Admin fee / account holder | $2,256 | $8,287-72.8% | $14,398-84.3% | $7,775-71.0% |