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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 | $131,970 | $78,670+67.8% | $109,173+20.9% | $85,847+53.7% |
| Participation rate | 46.7% | 68.3%-21.6pp | 75.9%-29.2pp | 69.3%-22.7pp |
| Annual return | 8.54% | 25.09%-16.6pp | 25.75%-17.2pp | 318.61%-310.1pp |
| Employer contribution / active EE | $926 | $2,734-66.1% | $3,723-75.1% | $2,565-63.9% |
| Participant deferral / active EE | $2,344 | $3,467-32.4% | $4,654-49.6% | $3,952-40.7% |
| Admin fee / account holder | $2,072 | $5,469-62.1% | $6,755-69.3% | $6,261-66.9% |