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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 | $120,812 | $77,901+55.1% | $149,717-19.3% | $75,181+60.7% |
| Participation rate | 55.6% | 65.6%-10.0pp | 78.8%-23.2pp | 67.2%-11.6pp |
| Annual return | 12.25% | 31.73%-19.5pp | 134.41%-122.2pp | 160.69%-148.4pp |
| Employer contribution / active EE | $846 | $3,137-73.0% | $4,820-82.5% | $2,671-68.3% |
| Participant deferral / active EE | $3,725 | $3,411+9.2% | $5,682-34.4% | $4,126-9.7% |
| Admin fee / account holder | $1,822 | $5,949-69.4% | $13,213-86.2% | $5,650-67.8% |