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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 | $94,197 | $65,367+44.1% | $92,915+1.4% | $72,976+29.1% |
| Participation rate | 32.6% | 68.3%-35.7pp | 76.0%-43.4pp | 69.5%-36.9pp |
| Annual return | 16.03% | 42.11%-26.1pp | 109.45%-93.4pp | 81.02%-65.0pp |
| Employer contribution / active EE | $1,259 | $2,594-51.5% | $3,653-65.5% | $2,440-48.4% |
| Participant deferral / active EE | $2,077 | $3,128-33.6% | $4,238-51.0% | $3,608-42.4% |
| Admin fee / account holder | $3,466 | $4,251-18.5% | $5,796-40.2% | $5,124-32.4% |