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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 | $100,825 | $81,276+24.1% | $155,574-35.2% | $80,925+24.6% |
| Participation rate | 29.6% | 66.2%-36.6pp | 78.2%-48.6pp | 67.7%-38.0pp |
| Annual return | 8.60% | 33.36%-24.8pp | 64.87%-56.3pp | 35.65%-27.1pp |
| Employer contribution / active EE | $425 | $3,103-86.3% | $4,676-90.9% | $2,756-84.6% |
| Participant deferral / active EE | $2,417 | $3,453-30.0% | $5,629-57.1% | $4,299-43.8% |
| Admin fee / account holder | $1,299 | $7,993-83.8% | $15,914-91.8% | $6,940-81.3% |