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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 | $117,660 | $81,331+44.7% | $155,534-24.4% | $80,935+45.4% |
| Participation rate | 69.2% | 66.3%+3.0pp | 78.2%-9.0pp | 67.7%+1.6pp |
| Annual return | 8.01% | 33.37%-25.4pp | 64.92%-56.9pp | 35.66%-27.7pp |
| Employer contribution / active EE | $579 | $3,105-81.4% | $4,675-87.6% | $2,757-79.0% |
| Participant deferral / active EE | $5,433 | $3,454+57.3% | $5,630-3.5% | $4,299+26.4% |
| Admin fee / account holder | $21,579 | $7,999+169.8% | $15,900+35.7% | $6,924+211.6% |