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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 | $59,726 | $25,014+138.8% | $69,632-14.2% | $80,959-26.2% |
| Participation rate | 42.5% | 64.2%-21.7pp | 66.4%-24.0pp | 67.7%-25.2pp |
| Annual return | 10.16% | 19.08%-8.9pp | 101.32%-91.2pp | 35.67%-25.5pp |
| Employer contribution / active EE | $865 | $991-12.8% | $1,708-49.4% | $2,757-68.6% |
| Participant deferral / active EE | $2,248 | $1,840+22.2% | $2,889-22.2% | $4,300-47.7% |
| Admin fee / account holder | $4,242 | $2,491+70.3% | $4,695-9.7% | $6,925-38.7% |