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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 | $76,834+75.0% | $108,359+24.1% | $87,485+53.7% |
| Participation rate | 64.9% | 61.7%+3.1pp | 70.1%-5.3pp | 68.9%-4.1pp |
| Annual return | 9.20% | 19.09%-9.9pp | 36.89%-27.7pp | 26.06%-16.9pp |
| Employer contribution / active EE | $975 | $1,556-37.3% | $2,399-59.4% | $2,596-62.4% |
| Participant deferral / active EE | $4,825 | $3,100+55.6% | $4,137+16.6% | $4,274+12.9% |
| Admin fee / account holder | $6,058 | $6,537-7.3% | $9,741-37.8% | $7,775-22.1% |