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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 | $90,536 | $56,894+59.1% | $84,753+6.8% | $62,881+44.0% |
| Participation rate | 68.1% | 68.5%-0.4pp | 76.6%-8.5pp | 69.3%-1.2pp |
| Annual return | 1.86% | 6.30%-4.4pp | 22.78%-20.9pp | 20.14%-18.3pp |
| Employer contribution / active EE | $0 | $2,400-100.0% | $3,574-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,830 | $2,709+4.5% | $3,712-23.8% | $3,203-11.6% |
| Admin fee / account holder | $4,549 | $3,581+27.0% | $5,333-14.7% | $4,296+5.9% |