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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 | $128,091 | $81,276+57.6% | $155,574-17.7% | $80,925+58.3% |
| Participation rate | 42.4% | 66.2%-23.8pp | 78.2%-35.8pp | 67.7%-25.2pp |
| Annual return | 10.20% | 33.36%-23.2pp | 64.87%-54.7pp | 35.65%-25.5pp |
| Employer contribution / active EE | $956 | $3,103-69.2% | $4,676-79.5% | $2,756-65.3% |
| Participant deferral / active EE | $3,433 | $3,453-0.6% | $5,629-39.0% | $4,299-20.1% |
| Admin fee / account holder | $1,530 | $7,993-80.9% | $15,914-90.4% | $6,940-77.9% |