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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 | $115,931+6.4% | $185,441-33.5% | $86,983+41.8% |
| Participation rate | 47.4% | 73.6%-26.3pp | 80.3%-32.9pp | 69.5%-22.2pp |
| Annual return | 4.22% | 21.47%-17.2pp | 20.16%-15.9pp | 25.83%-21.6pp |
| Employer contribution / active EE | $973 | $2,937-66.9% | $4,672-79.2% | $2,584-62.3% |
| Participant deferral / active EE | $2,275 | $4,551-50.0% | $6,152-63.0% | $4,194-45.8% |
| Admin fee / account holder | $625 | $10,687-94.2% | $17,890-96.5% | $7,856-92.0% |