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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 | $127,723 | $76,834+66.2% | $108,359+17.9% | $87,485+46.0% |
| Participation rate | 42.3% | 61.7%-19.4pp | 70.1%-27.8pp | 68.9%-26.6pp |
| Annual return | 10.82% | 19.09%-8.3pp | 36.89%-26.1pp | 26.06%-15.2pp |
| Employer contribution / active EE | $956 | $1,556-38.6% | $2,399-60.2% | $2,596-63.2% |
| Participant deferral / active EE | $2,825 | $3,100-8.9% | $4,137-31.7% | $4,274-33.9% |
| Admin fee / account holder | $3,726 | $6,537-43.0% | $9,741-61.7% | $7,775-52.1% |