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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 | $139,720 | $69,590+100.8% | $136,867+2.1% | $94,015+48.6% |
| Participation rate | 51.8% | 66.3%-14.5pp | 74.5%-22.8pp | 70.8%-19.0pp |
| Annual return | 10.56% | 19.62%-9.1pp | 42.97%-32.4pp | 17.84%-7.3pp |
| Employer contribution / active EE | $612 | $2,396-74.5% | $3,547-82.7% | $2,790-78.1% |
| Participant deferral / active EE | $1,646 | $3,437-52.1% | $4,924-66.6% | $4,249-61.3% |
| Admin fee / account holder | $2,501 | $8,912-71.9% | $10,340-75.8% | $8,951-72.1% |