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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 | $96,493 | $58,493+65.0% | $84,023+14.8% | $72,976+32.2% |
| Participation rate | 45.7% | 61.2%-15.6pp | 69.0%-23.4pp | 69.5%-23.8pp |
| Annual return | 1.99% | 28.93%-26.9pp | 71.32%-69.3pp | 81.02%-79.0pp |
| Employer contribution / active EE | $851 | $1,163-26.8% | $1,984-57.1% | $2,440-65.1% |
| Participant deferral / active EE | $3,458 | $2,394+44.5% | $3,239+6.8% | $3,608-4.1% |
| Admin fee / account holder | $3,105 | $4,569-32.0% | $6,102-49.1% | $5,124-39.4% |