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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 | $85,430 | $57,590+48.3% | $86,233-0.9% | $82,448+3.6% |
| Participation rate | 19.2% | 57.9%-38.6pp | 69.0%-49.8pp | 68.1%-48.8pp |
| Annual return | 12.90% | 22.41%-9.5pp | 61.39%-48.5pp | 41.64%-28.7pp |
| Employer contribution / active EE | $373 | $1,655-77.4% | $2,504-85.1% | $2,551-85.4% |
| Participant deferral / active EE | $889 | $3,080-71.1% | $4,559-80.5% | $4,139-78.5% |
| Admin fee / account holder | $6,538 | $4,730+38.2% | $8,342-21.6% | $7,234-9.6% |