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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 | $125,178 | $103,392+21.1% | $87,104+43.7% | $152,897-18.1% |
| Participation rate | 28.6% | 79.4%-50.8pp | 76.9%-48.3pp | 82.5%-53.9pp |
| Annual return | 4.05% | 28.10%-24.1pp | 28.19%-24.1pp | 345.43%-341.4pp |
| Employer contribution / active EE | $649 | $3,221-79.8% | $2,521-74.2% | $4,764-86.4% |
| Participant deferral / active EE | $4,706 | $4,778-1.5% | $4,048+16.2% | $5,851-19.6% |
| Admin fee / account holder | $1,618 | $12,194-86.7% | $7,491-78.4% | $11,599-86.1% |