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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 | $107,610 | $65,246+64.9% | $98,716+9.0% | $67,986+58.3% |
| Participation rate | 35.0% | 51.4%-16.4pp | 69.3%-34.3pp | 57.2%-22.2pp |
| Annual return | 7.49% | 20.58%-13.1pp | 31.81%-24.3pp | 31.67%-24.2pp |
| Employer contribution / active EE | $298 | $1,042-71.4% | $2,279-86.9% | $2,019-85.2% |
| Participant deferral / active EE | $3,376 | $2,594+30.2% | $4,048-16.6% | $3,358+0.5% |
| Admin fee / account holder | $8,265 | $4,561+81.2% | $8,703-5.0% | $3,203+158.0% |