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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 | $115,116 | $81,331+41.5% | $155,534-26.0% | $80,935+42.2% |
| Participation rate | 30.6% | 66.3%-35.6pp | 78.2%-47.6pp | 67.7%-37.0pp |
| Annual return | 9.80% | 33.37%-23.6pp | 64.92%-55.1pp | 35.66%-25.9pp |
| Employer contribution / active EE | $774 | $3,105-75.1% | $4,675-83.4% | $2,757-71.9% |
| Participant deferral / active EE | $2,415 | $3,454-30.1% | $5,630-57.1% | $4,299-43.8% |
| Admin fee / account holder | $2,074 | $7,999-74.1% | $15,900-87.0% | $6,924-70.0% |