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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 | $81,358+23.9% | $155,556-35.2% | $80,959+24.5% |
| Participation rate | 29.6% | 66.3%-36.6pp | 78.2%-48.6pp | 67.7%-38.0pp |
| Annual return | 8.60% | 33.39%-24.8pp | 64.84%-56.2pp | 35.67%-27.1pp |
| Employer contribution / active EE | $425 | $3,106-86.3% | $4,675-90.9% | $2,757-84.6% |
| Participant deferral / active EE | $2,417 | $3,455-30.1% | $5,631-57.1% | $4,300-43.8% |
| Admin fee / account holder | $1,299 | $7,994-83.8% | $15,885-91.8% | $6,925-81.2% |