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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 | $107,337 | $78,428+36.9% | $95,960+11.9% | $79,852+34.4% |
| Participation rate | 31.4% | 73.5%-42.1pp | 77.1%-45.7pp | 69.6%-38.3pp |
| Annual return | 9.65% | 19.37%-9.7pp | 91.63%-82.0pp | 31.72%-22.1pp |
| Employer contribution / active EE | $690 | $1,945-64.5% | $2,541-72.8% | $2,471-72.1% |
| Participant deferral / active EE | $1,968 | $3,440-42.8% | $4,167-52.8% | $3,740-47.4% |
| Admin fee / account holder | $4,366 | $5,622-22.3% | $6,797-35.8% | $5,306-17.7% |