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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 | $113,832 | $37,156+206.4% | $83,854+35.8% | $86,983+30.9% |
| Participation rate | 64.3% | 49.1%+15.2pp | 59.1%+5.2pp | 69.5%-5.3pp |
| Annual return | 10.01% | 29.88%-19.9pp | 31.39%-21.4pp | 25.83%-15.8pp |
| Employer contribution / active EE | $968 | $661+46.4% | $1,017-4.9% | $2,584-62.6% |
| Participant deferral / active EE | $5,173 | $1,418+264.8% | $2,035+154.2% | $4,194+23.3% |
| Admin fee / account holder | $6,503 | $2,510+159.1% | $3,197+103.4% | $7,856-17.2% |