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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 | $113,739 | $58,523+94.3% | $99,479+14.3% | $72,976+55.9% |
| Participation rate | 32.0% | 64.6%-32.6pp | 73.8%-41.8pp | 69.5%-37.5pp |
| Annual return | 15.71% | 28.51%-12.8pp | 30.72%-15.0pp | 81.02%-65.3pp |
| Employer contribution / active EE | $600 | $1,512-60.3% | $2,540-76.4% | $2,440-75.4% |
| Participant deferral / active EE | $2,249 | $2,606-13.7% | $3,619-37.9% | $3,608-37.7% |
| Admin fee / account holder | $1,232 | $4,102-70.0% | $6,253-80.3% | $5,124-76.0% |