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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 | $135,984 | $81,504+66.8% | $102,437+32.7% | $80,959+68.0% |
| Participation rate | 25.9% | 66.9%-41.0pp | 74.5%-48.6pp | 67.7%-41.8pp |
| Annual return | 9.78% | 25.60%-15.8pp | 24.95%-15.2pp | 35.67%-25.9pp |
| Employer contribution / active EE | $984 | $3,104-68.3% | $3,871-74.6% | $2,757-64.3% |
| Participant deferral / active EE | $2,206 | $3,871-43.0% | $5,060-56.4% | $4,300-48.7% |
| Admin fee / account holder | $26,447 | $6,719+293.6% | $8,388+215.3% | $6,925+281.9% |