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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 | $84,124 | $73,787+14.0% | $98,716-14.8% | $82,448+2.0% |
| Participation rate | 30.0% | 61.4%-31.4pp | 69.3%-39.3pp | 68.1%-38.1pp |
| Annual return | 11.69% | 18.57%-6.9pp | 31.81%-20.1pp | 41.64%-29.9pp |
| Employer contribution / active EE | $326 | $1,511-78.4% | $2,279-85.7% | $2,551-87.2% |
| Participant deferral / active EE | $1,959 | $3,081-36.4% | $4,048-51.6% | $4,139-52.7% |
| Admin fee / account holder | $4,061 | $6,500-37.5% | $8,703-53.3% | $7,234-43.9% |