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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 | $108,825+13.4% | $156,181-21.0% | $82,448+49.6% |
| Participation rate | 47.4% | 72.4%-25.0pp | 78.8%-31.5pp | 68.1%-20.7pp |
| Annual return | 4.22% | 20.59%-16.4pp | 64.87%-60.7pp | 41.64%-37.4pp |
| Employer contribution / active EE | $973 | $2,870-66.1% | $4,294-77.3% | $2,551-61.8% |
| Participant deferral / active EE | $2,275 | $4,577-50.3% | $6,132-62.9% | $4,139-45.0% |
| Admin fee / account holder | $625 | $9,341-93.3% | $14,586-95.7% | $7,234-91.4% |