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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 | $114,317 | $54,541+109.6% | $78,778+45.1% | $70,126+63.0% |
| Participation rate | 42.3% | 60.8%-18.5pp | 69.2%-26.9pp | 69.5%-27.2pp |
| Annual return | 4.14% | 21.07%-16.9pp | 35.62%-31.5pp | 73.15%-69.0pp |
| Employer contribution / active EE | $888 | $1,089-18.4% | $1,986-55.3% | $2,343-62.1% |
| Participant deferral / active EE | $2,091 | $2,210-5.4% | $2,958-29.3% | $3,332-37.3% |
| Admin fee / account holder | $3,900 | $3,709+5.2% | $5,134-24.0% | $4,645-16.1% |