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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 | $101,945 | $65,041+56.7% | $90,965+12.1% | $79,858+27.7% |
| Participation rate | 40.0% | 61.6%-21.6pp | 69.0%-29.0pp | 69.6%-29.6pp |
| Annual return | 8.14% | 30.45%-22.3pp | 134.57%-126.4pp | 31.72%-23.6pp |
| Employer contribution / active EE | $711 | $1,247-43.0% | $2,122-66.5% | $2,471-71.2% |
| Participant deferral / active EE | $2,327 | $2,512-7.4% | $3,373-31.0% | $3,740-37.8% |
| Admin fee / account holder | $3,572 | $4,536-21.3% | $5,960-40.1% | $5,306-32.7% |