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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 | $93,515 | $72,486+29.0% | $87,103+7.4% | $72,976+28.1% |
| Participation rate | 59.3% | 72.8%-13.6pp | 76.9%-17.6pp | 69.5%-10.2pp |
| Annual return | 2.71% | 24.46%-21.7pp | 28.19%-25.5pp | 81.02%-78.3pp |
| Employer contribution / active EE | $891 | $1,894-52.9% | $2,521-64.7% | $2,440-63.5% |
| Participant deferral / active EE | $2,378 | $3,270-27.3% | $4,049-41.3% | $3,608-34.1% |
| Admin fee / account holder | $464 | $5,055-90.8% | $7,491-93.8% | $5,124-90.9% |