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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 | $145,677 | $99,875+45.9% | $146,866-0.8% | $86,983+67.5% |
| Participation rate | 34.6% | 75.8%-41.2pp | 82.5%-47.9pp | 69.5%-34.9pp |
| Annual return | 12.76% | 28.10%-15.3pp | 102.85%-90.1pp | 25.83%-13.1pp |
| Employer contribution / active EE | $827 | $3,224-74.4% | $4,425-81.3% | $2,584-68.0% |
| Participant deferral / active EE | $4,338 | $6,322-31.4% | $7,759-44.1% | $4,194+3.4% |
| Admin fee / account holder | $3,354 | $7,838-57.2% | $13,620-75.4% | $7,856-57.3% |