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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 | $108,387 | $78,027+38.9% | $178,528-39.3% | $80,925+33.9% |
| Participation rate | 20.0% | 65.7%-45.7pp | 77.1%-57.1pp | 67.7%-47.7pp |
| Annual return | 9.84% | 18.09%-8.2pp | 27.11%-17.3pp | 35.65%-25.8pp |
| Employer contribution / active EE | $722 | $2,281-68.4% | $3,950-81.7% | $2,756-73.8% |
| Participant deferral / active EE | $2,398 | $4,408-45.6% | $6,278-61.8% | $4,299-44.2% |
| Admin fee / account holder | $5,594 | $7,168-22.0% | $10,419-46.3% | $6,940-19.4% |