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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 | $164,566 | $94,031+75.0% | $115,768+42.2% | $82,448+99.6% |
| Participation rate | 29.0% | 70.4%-41.4pp | 74.4%-45.4pp | 68.1%-39.0pp |
| Annual return | 11.24% | 20.61%-9.4pp | 100.46%-89.2pp | 41.64%-30.4pp |
| Employer contribution / active EE | $785 | $2,323-66.2% | $2,940-73.3% | $2,551-69.2% |
| Participant deferral / active EE | $1,855 | $3,972-53.3% | $4,917-62.3% | $4,139-55.2% |
| Admin fee / account holder | $527 | $10,249-94.9% | $12,439-95.8% | $7,234-92.7% |