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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 | $115,390 | $78,027+47.9% | $178,528-35.4% | $80,925+42.6% |
| Participation rate | 46.4% | 65.7%-19.2pp | 77.1%-30.7pp | 67.7%-21.2pp |
| Annual return | 9.63% | 18.09%-8.5pp | 27.11%-17.5pp | 35.65%-26.0pp |
| Employer contribution / active EE | $869 | $2,281-61.9% | $3,950-78.0% | $2,756-68.5% |
| Participant deferral / active EE | $3,776 | $4,408-14.3% | $6,278-39.9% | $4,299-12.2% |
| Admin fee / account holder | $7,431 | $7,168+3.7% | $10,419-28.7% | $6,940+7.1% |