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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 | $104,035 | $81,504+27.6% | $102,437+1.6% | $80,959+28.5% |
| Participation rate | 29.2% | 66.9%-37.7pp | 74.5%-45.3pp | 67.7%-38.5pp |
| Annual return | 10.15% | 25.60%-15.4pp | 24.95%-14.8pp | 35.67%-25.5pp |
| Employer contribution / active EE | $976 | $3,104-68.6% | $3,871-74.8% | $2,757-64.6% |
| Participant deferral / active EE | $1,753 | $3,871-54.7% | $5,060-65.4% | $4,300-59.2% |
| Admin fee / account holder | $22,371 | $6,719+232.9% | $8,388+166.7% | $6,925+223.0% |