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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 | $114,705 | $99,875+14.8% | $146,866-21.9% | $86,983+31.9% |
| Participation rate | 47.8% | 75.8%-28.0pp | 82.5%-34.7pp | 69.5%-21.7pp |
| Annual return | 13.52% | 28.10%-14.6pp | 102.85%-89.3pp | 25.83%-12.3pp |
| Employer contribution / active EE | $497 | $3,224-84.6% | $4,425-88.8% | $2,584-80.8% |
| Participant deferral / active EE | $2,791 | $6,322-55.9% | $7,759-64.0% | $4,194-33.5% |
| Admin fee / account holder | $3,631 | $7,838-53.7% | $13,620-73.3% | $7,856-53.8% |