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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 | $113,506 | $74,535+52.3% | $100,712+12.7% | $82,637+37.4% |
| Participation rate | 42.4% | 61.2%-18.8pp | 69.3%-26.9pp | 68.1%-25.6pp |
| Annual return | 11.75% | 18.92%-7.2pp | 33.27%-21.5pp | 53.51%-41.8pp |
| Employer contribution / active EE | $706 | $1,503-53.0% | $2,313-69.5% | $2,552-72.3% |
| Participant deferral / active EE | $1,979 | $3,074-35.6% | $4,085-51.6% | $4,126-52.0% |
| Admin fee / account holder | $2,790 | $6,576-57.6% | $9,256-69.9% | $7,339-62.0% |