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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 | $120,465 | $72,269+66.7% | $101,271+19.0% | $79,852+50.9% |
| Participation rate | 46.4% | 68.5%-22.0pp | 75.8%-29.4pp | 69.6%-23.2pp |
| Annual return | 3.14% | 22.29%-19.2pp | 46.48%-43.3pp | 31.72%-28.6pp |
| Employer contribution / active EE | $1,444 | $2,692-46.3% | $3,660-60.5% | $2,471-41.6% |
| Participant deferral / active EE | $5,536 | $3,282+68.7% | $4,371+26.7% | $3,740+48.0% |
| Admin fee / account holder | $968 | $4,401-78.0% | $5,948-83.7% | $5,306-81.8% |