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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 | $90,237 | $75,807+19.0% | $116,096-22.3% | $86,983+3.7% |
| Participation rate | 48.6% | 66.9%-18.2pp | 73.3%-24.7pp | 69.5%-20.9pp |
| Annual return | 11.25% | 18.57%-7.3pp | 326.25%-315.0pp | 25.83%-14.6pp |
| Employer contribution / active EE | $683 | $1,892-63.9% | $2,503-72.7% | $2,584-73.6% |
| Participant deferral / active EE | $1,787 | $3,212-44.4% | $3,952-54.8% | $4,194-57.4% |
| Admin fee / account holder | $1,390 | $6,659-79.1% | $7,704-82.0% | $7,856-82.3% |