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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 | $114,126 | $76,407+49.4% | $150,298-24.1% | $82,448+38.4% |
| Participation rate | 39.3% | 66.4%-27.1pp | 77.8%-38.4pp | 68.1%-28.7pp |
| Annual return | 12.98% | 39.99%-27.0pp | 62.79%-49.8pp | 41.64%-28.7pp |
| Employer contribution / active EE | $994 | $2,614-62.0% | $4,154-76.1% | $2,551-61.0% |
| Participant deferral / active EE | $2,587 | $3,214-19.5% | $5,453-52.6% | $4,139-37.5% |
| Admin fee / account holder | $7,382 | $6,352+16.2% | $14,116-47.7% | $7,234+2.0% |