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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 | $118,261 | $99,875+18.4% | $146,866-19.5% | $86,983+36.0% |
| Participation rate | 13.8% | 75.8%-62.0pp | 82.5%-68.7pp | 69.5%-55.7pp |
| Annual return | 10.57% | 28.10%-17.5pp | 102.85%-92.3pp | 25.83%-15.3pp |
| Employer contribution / active EE | $584 | $3,224-81.9% | $4,425-86.8% | $2,584-77.4% |
| Participant deferral / active EE | $2,738 | $6,322-56.7% | $7,759-64.7% | $4,194-34.7% |
| Admin fee / account holder | $5,397 | $7,838-31.1% | $13,620-60.4% | $7,856-31.3% |