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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 | $128,230 | $57,590+122.7% | $86,233+48.7% | $82,448+55.5% |
| Participation rate | 27.6% | 57.9%-30.3pp | 69.0%-41.4pp | 68.1%-40.5pp |
| Annual return | 13.02% | 22.41%-9.4pp | 61.39%-48.4pp | 41.64%-28.6pp |
| Employer contribution / active EE | $439 | $1,655-73.5% | $2,504-82.5% | $2,551-82.8% |
| Participant deferral / active EE | $2,120 | $3,080-31.2% | $4,559-53.5% | $4,139-48.8% |
| Admin fee / account holder | $2,840 | $4,730-40.0% | $8,342-66.0% | $7,234-60.7% |