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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 | $77,962+48.0% | $178,540-35.4% | $80,935+42.6% |
| Participation rate | 46.4% | 65.7%-19.2pp | 77.1%-30.7pp | 67.7%-21.2pp |
| Annual return | 9.63% | 18.10%-8.5pp | 27.15%-17.5pp | 35.66%-26.0pp |
| Employer contribution / active EE | $869 | $2,280-61.9% | $3,953-78.0% | $2,757-68.5% |
| Participant deferral / active EE | $3,776 | $4,404-14.3% | $6,281-39.9% | $4,299-12.2% |
| Admin fee / account holder | $7,431 | $7,156+3.9% | $10,424-28.7% | $6,924+7.3% |