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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 | $58,057+137.1% | $97,032+41.9% | $86,983+58.3% |
| Participation rate | 36.6% | 60.4%-23.8pp | 71.6%-35.0pp | 69.5%-33.0pp |
| Annual return | 12.11% | 22.26%-10.1pp | 35.38%-23.3pp | 25.83%-13.7pp |
| Employer contribution / active EE | $486 | $1,663-70.8% | $2,629-81.5% | $2,584-81.2% |
| Participant deferral / active EE | $3,122 | $3,244-3.8% | $4,672-33.2% | $4,194-25.6% |
| Admin fee / account holder | $1,131 | $4,839-76.6% | $9,418-88.0% | $7,856-85.6% |