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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 | $110,913 | $77,472+43.2% | $100,392+10.5% | $80,935+37.0% |
| Participation rate | 48.6% | 76.9%-28.3pp | 81.5%-32.9pp | 67.7%-19.1pp |
| Annual return | 11.88% | 37.26%-25.4pp | 49.45%-37.6pp | 35.66%-23.8pp |
| Employer contribution / active EE | $552 | $2,800-80.3% | $3,941-86.0% | $2,757-80.0% |
| Participant deferral / active EE | $3,350 | $6,818-50.9% | $8,090-58.6% | $4,299-22.1% |
| Admin fee / account holder | $1,959 | $5,885-66.7% | $7,904-75.2% | $6,924-71.7% |