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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 | $99,790 | $65,034+53.4% | $90,970+9.7% | $79,856+25.0% |
| Participation rate | 48.3% | 61.6%-13.3pp | 69.0%-20.7pp | 69.6%-21.3pp |
| Annual return | 7.84% | 30.45%-22.6pp | 134.60%-126.8pp | 31.71%-23.9pp |
| Employer contribution / active EE | $980 | $1,247-21.4% | $2,122-53.8% | $2,471-60.3% |
| Participant deferral / active EE | $3,680 | $2,512+46.5% | $3,373+9.1% | $3,741-1.6% |
| Admin fee / account holder | $1,243 | $4,536-72.6% | $5,961-79.1% | $5,306-76.6% |