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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 | $119,003 | $81,487+46.0% | $102,412+16.2% | $80,935+47.0% |
| Participation rate | 24.1% | 66.8%-42.8pp | 74.5%-50.4pp | 67.7%-43.6pp |
| Annual return | 10.23% | 25.60%-15.4pp | 24.94%-14.7pp | 35.66%-25.4pp |
| Employer contribution / active EE | $900 | $3,103-71.0% | $3,870-76.8% | $2,757-67.4% |
| Participant deferral / active EE | $2,046 | $3,871-47.2% | $5,060-59.6% | $4,299-52.4% |
| Admin fee / account holder | $4,785 | $6,717-28.8% | $8,388-43.0% | $6,924-30.9% |