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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 | $77,346 | $57,590+34.3% | $86,233-10.3% | $82,448-6.2% |
| Participation rate | 48.7% | 57.9%-9.1pp | 69.0%-20.3pp | 68.1%-19.3pp |
| Annual return | 12.43% | 22.41%-10.0pp | 61.39%-49.0pp | 41.64%-29.2pp |
| Employer contribution / active EE | $344 | $1,655-79.2% | $2,504-86.3% | $2,551-86.5% |
| Participant deferral / active EE | $3,823 | $3,080+24.1% | $4,559-16.1% | $4,139-7.6% |
| Admin fee / account holder | $4,558 | $4,730-3.6% | $8,342-45.4% | $7,234-37.0% |