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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 | $134,482 | $73,787+82.3% | $98,716+36.2% | $82,448+63.1% |
| Participation rate | 64.9% | 61.4%+3.5pp | 69.3%-4.4pp | 68.1%-3.2pp |
| Annual return | 9.20% | 18.57%-9.4pp | 31.81%-22.6pp | 41.64%-32.4pp |
| Employer contribution / active EE | $975 | $1,511-35.5% | $2,279-57.2% | $2,551-61.8% |
| Participant deferral / active EE | $4,825 | $3,081+56.6% | $4,048+19.2% | $4,139+16.6% |
| Admin fee / account holder | $6,058 | $6,500-6.8% | $8,703-30.4% | $7,234-16.3% |