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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 | $154,041 | $63,809+141.4% | $81,353+89.3% | $80,935+90.3% |
| Participation rate | 31.3% | 63.9%-32.7pp | 69.5%-38.3pp | 67.7%-36.4pp |
| Annual return | 9.90% | 16.37%-6.5pp | 24.82%-14.9pp | 35.66%-25.8pp |
| Employer contribution / active EE | $808 | $1,981-59.2% | $2,464-67.2% | $2,757-70.7% |
| Participant deferral / active EE | $1,957 | $3,093-36.7% | $3,885-49.6% | $4,299-54.5% |
| Admin fee / account holder | $1,194 | $5,686-79.0% | $5,766-79.3% | $6,924-82.8% |