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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 | $106,895 | $139,421-23.3% | $239,577-55.4% | $116,462-8.2% |
| Participation rate | 53.1% | 75.0%-21.9pp | 82.1%-29.0pp | 74.7%-21.6pp |
| Annual return | 11.15% | 15.58%-4.4pp | -0.70%+11.9pp | 15.65%-4.5pp |
| Employer contribution / active EE | $1,438 | $4,487-68.0% | $7,232-80.1% | $3,231-55.5% |
| Participant deferral / active EE | $3,655 | $4,296-14.9% | $5,676-35.6% | $3,836-4.7% |
| Admin fee / account holder | $453 | $21,515-97.9% | $19,315-97.7% | $12,754-96.4% |