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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 | $96,957 | $65,367+48.3% | $92,915+4.3% | $72,976+32.9% |
| Participation rate | 41.9% | 68.3%-26.4pp | 76.0%-34.1pp | 69.5%-27.6pp |
| Annual return | 15.18% | 42.11%-26.9pp | 109.45%-94.3pp | 81.02%-65.8pp |
| Employer contribution / active EE | $940 | $2,594-63.8% | $3,653-74.3% | $2,440-61.5% |
| Participant deferral / active EE | $1,783 | $3,128-43.0% | $4,238-57.9% | $3,608-50.6% |
| Admin fee / account holder | $4,370 | $4,251+2.8% | $5,796-24.6% | $5,124-14.7% |