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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 | $123,376 | $114,712+7.6% | $173,730-29.0% | $87,485+41.0% |
| Participation rate | 47.4% | 73.0%-25.6pp | 79.6%-32.2pp | 68.9%-21.6pp |
| Annual return | 4.22% | 20.18%-16.0pp | 19.96%-15.7pp | 26.06%-21.8pp |
| Employer contribution / active EE | $973 | $2,904-66.5% | $4,577-78.7% | $2,596-62.5% |
| Participant deferral / active EE | $2,275 | $4,642-51.0% | $6,326-64.0% | $4,274-46.8% |
| Admin fee / account holder | $625 | $10,210-93.9% | $17,523-96.4% | $7,775-92.0% |