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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 | $85,449 | $41,377+106.5% | $109,313-21.8% | $62,881+35.9% |
| Participation rate | 62.2% | 57.5%+4.6pp | 71.3%-9.1pp | 69.3%-7.1pp |
| Annual return | 4.26% | 11.05%-6.8pp | 22.07%-17.8pp | 20.14%-15.9pp |
| Employer contribution / active EE | $886 | $1,276-30.6% | $3,892-77.2% | $2,281-61.2% |
| Participant deferral / active EE | $3,843 | $2,045+87.9% | $3,166+21.4% | $3,203+20.0% |
| Admin fee / account holder | $3,135 | $2,884+8.7% | $5,666-44.7% | $4,296-27.0% |