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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 | $102,196 | $90,400+13.0% | $186,193-45.1% | $87,485+16.8% |
| Participation rate | 16.4% | 66.2%-49.8pp | 77.1%-60.7pp | 68.9%-52.6pp |
| Annual return | 11.67% | 22.15%-10.5pp | 78.03%-66.4pp | 26.06%-14.4pp |
| Employer contribution / active EE | $603 | $2,170-72.2% | $3,918-84.6% | $2,596-76.8% |
| Participant deferral / active EE | $2,014 | $4,330-53.5% | $6,513-69.1% | $4,274-52.9% |
| Admin fee / account holder | $8,526 | $8,673-1.7% | $11,058-22.9% | $7,775+9.7% |