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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 | $137,663 | $58,848+133.9% | $88,179+56.1% | $82,637+66.6% |
| Participation rate | 36.6% | 57.9%-21.3pp | 69.1%-32.6pp | 68.1%-31.5pp |
| Annual return | 12.11% | 22.76%-10.6pp | 64.97%-52.9pp | 53.51%-41.4pp |
| Employer contribution / active EE | $486 | $1,678-71.1% | $2,549-80.9% | $2,552-81.0% |
| Participant deferral / active EE | $3,122 | $3,124-0.1% | $4,614-32.3% | $4,126-24.3% |
| Admin fee / account holder | $1,131 | $4,795-76.4% | $7,673-85.3% | $7,339-84.6% |