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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 | $81,231 | $71,057+14.3% | $93,654-13.3% | $80,874+0.4% |
| Participation rate | 46.6% | 60.4%-13.8pp | 68.7%-22.1pp | 67.6%-21.1pp |
| Annual return | 7.28% | 11.26%-4.0pp | 133.34%-126.1pp | 35.62%-28.3pp |
| Employer contribution / active EE | $653 | $1,564-58.2% | $2,421-73.0% | $2,756-76.3% |
| Participant deferral / active EE | $2,421 | $4,034-40.0% | $4,413-45.1% | $4,297-43.6% |
| Admin fee / account holder | $9,237 | $6,944+33.0% | $8,282+11.5% | $6,935+33.2% |