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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 | $74,535+44.8% | $100,712+7.2% | $82,637+30.6% |
| Participation rate | 48.5% | 61.2%-12.7pp | 69.3%-20.8pp | 68.1%-19.6pp |
| Annual return | 7.14% | 18.92%-11.8pp | 33.27%-26.1pp | 53.51%-46.4pp |
| Employer contribution / active EE | $834 | $1,503-44.5% | $2,313-63.9% | $2,552-67.3% |
| Participant deferral / active EE | $1,961 | $3,074-36.2% | $4,085-52.0% | $4,126-52.5% |
| Admin fee / account holder | $2,315 | $6,576-64.8% | $9,256-75.0% | $7,339-68.4% |