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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 | $86,792 | $32,037+170.9% | $69,182+25.5% | $62,881+38.0% |
| Participation rate | 28.0% | 43.4%-15.4pp | 55.1%-27.1pp | 69.3%-41.3pp |
| Annual return | 2.79% | 15.16%-12.4pp | -21.93%+24.7pp | 20.14%-17.4pp |
| Employer contribution / active EE | $504 | $679-25.8% | $1,206-58.2% | $2,281-77.9% |
| Participant deferral / active EE | $1,219 | $1,185+2.8% | $1,897-35.7% | $3,203-61.9% |
| Admin fee / account holder | $3,571 | $2,608+36.9% | $2,697+32.4% | $4,296-16.9% |