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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 | $106,713 | $67,894+57.2% | $89,340+19.4% | $82,448+29.4% |
| Participation rate | 50.0% | 64.0%-14.0pp | 69.6%-19.6pp | 68.1%-18.1pp |
| Annual return | 8.73% | 19.21%-10.5pp | 20.57%-11.8pp | 41.64%-32.9pp |
| Employer contribution / active EE | $2,551 | $1,828+39.6% | $2,231+14.3% | $2,5510% |
| Participant deferral / active EE | $5,416 | $3,072+76.3% | $3,823+41.7% | $4,139+30.8% |
| Admin fee / account holder | $1,694 | $5,723-70.4% | $6,704-74.7% | $7,234-76.6% |