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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 | $90,139 | $43,075+109.3% | $74,577+20.9% | $62,881+43.3% |
| Participation rate | 55.8% | 58.1%-2.2pp | 68.1%-12.3pp | 69.3%-13.5pp |
| Annual return | 4.22% | 17.50%-13.3pp | 20.47%-16.2pp | 20.14%-15.9pp |
| Employer contribution / active EE | $2,367 | $1,498+58.0% | $2,525-6.3% | $2,281+3.8% |
| Participant deferral / active EE | $2,392 | $2,389+0.1% | $3,458-30.8% | $3,203-25.3% |
| Admin fee / account holder | $997 | $2,840-64.9% | $4,138-75.9% | $4,296-76.8% |