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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 | $107,915 | $83,898+28.6% | $133,346-19.1% | $94,015+14.8% |
| Participation rate | 48.5% | 63.4%-14.9pp | 72.8%-24.4pp | 70.8%-22.3pp |
| Annual return | 7.14% | 16.00%-8.9pp | 36.85%-29.7pp | 17.84%-10.7pp |
| Employer contribution / active EE | $834 | $1,821-54.2% | $2,853-70.8% | $2,790-70.1% |
| Participant deferral / active EE | $1,961 | $3,245-39.5% | $4,332-54.7% | $4,249-53.8% |
| Admin fee / account holder | $2,315 | $7,809-70.3% | $14,264-83.8% | $8,951-74.1% |