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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 | $78,915 | $58,851+34.1% | $115,167-31.5% | $72,976+8.1% |
| Participation rate | 56.1% | 65.5%-9.4pp | 75.9%-19.8pp | 69.5%-13.4pp |
| Annual return | 14.52% | 23.16%-8.6pp | 35.60%-21.1pp | 81.02%-66.5pp |
| Employer contribution / active EE | $975 | $1,798-45.8% | $3,179-69.3% | $2,440-60.0% |
| Participant deferral / active EE | $2,094 | $2,643-20.8% | $4,169-49.8% | $3,608-42.0% |
| Admin fee / account holder | $1,232 | $6,370-80.7% | $7,089-82.6% | $5,124-75.9% |