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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 | $99,422 | $62,672+58.6% | $185,117-46.3% | $70,126+41.8% |
| Participation rate | 37.1% | 63.8%-26.6pp | 77.3%-40.1pp | 69.5%-32.4pp |
| Annual return | 13.09% | 40.79%-27.7pp | 40.50%-27.4pp | 73.15%-60.1pp |
| Employer contribution / active EE | $576 | $1,753-67.2% | $4,182-86.2% | $2,343-75.4% |
| Participant deferral / active EE | $1,878 | $3,272-42.6% | $5,045-62.8% | $3,332-43.6% |
| Admin fee / account holder | $5,590 | $3,932+42.2% | $8,159-31.5% | $4,645+20.3% |