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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 | $146,266 | $86,949+68.2% | $102,460+42.8% | $80,959+80.7% |
| Participation rate | 27.3% | 72.4%-45.1pp | 76.5%-49.2pp | 67.7%-40.4pp |
| Annual return | 10.09% | 18.89%-8.8pp | 29.47%-19.4pp | 35.67%-25.6pp |
| Employer contribution / active EE | $928 | $2,370-60.8% | $3,025-69.3% | $2,757-66.3% |
| Participant deferral / active EE | $1,983 | $4,121-51.9% | $5,056-60.8% | $4,300-53.9% |
| Admin fee / account holder | $1,948 | $8,048-75.8% | $9,460-79.4% | $6,925-71.9% |