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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 | $120,296 | $71,197+69.0% | $93,669+28.4% | $80,925+48.7% |
| Participation rate | 26.9% | 60.4%-33.5pp | 68.7%-41.8pp | 67.7%-40.7pp |
| Annual return | 6.20% | 11.27%-5.1pp | 133.59%-127.4pp | 35.65%-29.5pp |
| Employer contribution / active EE | $993 | $1,565-36.5% | $2,424-59.0% | $2,756-64.0% |
| Participant deferral / active EE | $2,959 | $4,036-26.7% | $4,416-33.0% | $4,299-31.2% |
| Admin fee / account holder | $8,860 | $6,959+27.3% | $8,291+6.9% | $6,940+27.7% |