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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 | $96,577 | $57,590+67.7% | $86,233+12.0% | $82,448+17.1% |
| Participation rate | 26.1% | 57.9%-31.8pp | 69.0%-42.9pp | 68.1%-42.0pp |
| Annual return | 13.19% | 22.41%-9.2pp | 61.39%-48.2pp | 41.64%-28.4pp |
| Employer contribution / active EE | $418 | $1,655-74.7% | $2,504-83.3% | $2,551-83.6% |
| Participant deferral / active EE | $1,325 | $3,080-57.0% | $4,559-70.9% | $4,139-68.0% |
| Admin fee / account holder | $2,016 | $4,730-57.4% | $8,342-75.8% | $7,234-72.1% |