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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 | $99,361 | $63,845+55.6% | $81,370+22.1% | $80,959+22.7% |
| Participation rate | 37.5% | 63.9%-26.4pp | 69.5%-32.0pp | 67.7%-30.2pp |
| Annual return | 8.50% | 16.37%-7.9pp | 24.85%-16.3pp | 35.67%-27.2pp |
| Employer contribution / active EE | $844 | $1,980-57.4% | $2,464-65.8% | $2,757-69.4% |
| Participant deferral / active EE | $1,973 | $3,093-36.2% | $3,885-49.2% | $4,300-54.1% |
| Admin fee / account holder | $5,021 | $5,688-11.7% | $5,749-12.7% | $6,925-27.5% |