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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 | $106,321 | $114,712-7.3% | $173,730-38.8% | $87,485+21.5% |
| Participation rate | 49.3% | 73.0%-23.7pp | 79.6%-30.3pp | 68.9%-19.6pp |
| Annual return | 11.63% | 20.18%-8.6pp | 19.96%-8.3pp | 26.06%-14.4pp |
| Employer contribution / active EE | $935 | $2,904-67.8% | $4,577-79.6% | $2,596-64.0% |
| Participant deferral / active EE | $2,589 | $4,642-44.2% | $6,326-59.1% | $4,274-39.4% |
| Admin fee / account holder | $4,099 | $10,210-59.9% | $17,523-76.6% | $7,775-47.3% |