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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 | $142,170 | $73,988+92.2% | $96,538+47.3% | $75,177+89.1% |
| Participation rate | 37.0% | 66.4%-29.5pp | 74.3%-37.4pp | 67.2%-30.2pp |
| Annual return | 11.63% | 26.73%-15.1pp | 35.74%-24.1pp | 160.75%-149.1pp |
| Employer contribution / active EE | $966 | $2,930-67.0% | $3,740-74.2% | $2,671-63.8% |
| Participant deferral / active EE | $2,524 | $3,660-31.0% | $4,880-48.3% | $4,126-38.8% |
| Admin fee / account holder | $941 | $5,220-82.0% | $6,737-86.0% | $5,651-83.3% |