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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 | $89,201 | $46,534+91.7% | $64,097+39.2% | $75,177+18.7% |
| Participation rate | 38.1% | 65.9%-27.8pp | 72.3%-34.2pp | 67.2%-29.1pp |
| Annual return | 10.59% | 26.07%-15.5pp | 33.75%-23.2pp | 160.75%-150.2pp |
| Employer contribution / active EE | $709 | $1,976-64.1% | $2,750-74.2% | $2,671-73.5% |
| Participant deferral / active EE | $872 | $2,835-69.2% | $3,881-77.5% | $4,126-78.9% |
| Admin fee / account holder | $2,857 | $2,957-3.4% | $3,070-6.9% | $5,651-49.4% |