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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 | $100,863 | $65,027+55.1% | $90,970+10.9% | $79,852+26.3% |
| Participation rate | 52.9% | 61.6%-8.7pp | 69.0%-16.1pp | 69.6%-16.7pp |
| Annual return | 9.89% | 30.45%-20.6pp | 134.58%-124.7pp | 31.72%-21.8pp |
| Employer contribution / active EE | $850 | $1,247-31.9% | $2,122-60.0% | $2,471-65.6% |
| Participant deferral / active EE | $2,010 | $2,512-20.0% | $3,373-40.4% | $3,740-46.3% |
| Admin fee / account holder | $674 | $4,535-85.1% | $5,960-88.7% | $5,306-87.3% |