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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 | $109,983 | $63,456+73.3% | $100,712+9.2% | $64,097+71.6% |
| Participation rate | 51.4% | 49.7%+1.7pp | 69.3%-17.9pp | 55.2%-3.8pp |
| Annual return | 11.12% | 19.65%-8.5pp | 33.27%-22.1pp | 34.64%-23.5pp |
| Employer contribution / active EE | $611 | $1,003-39.1% | $2,313-73.6% | $1,891-67.7% |
| Participant deferral / active EE | $2,056 | $2,463-16.5% | $4,085-49.7% | $3,080-33.2% |
| Admin fee / account holder | $2,174 | $4,808-54.8% | $9,256-76.5% | $3,454-37.1% |