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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 | $91,507 | $63,809+43.4% | $81,353+12.5% | $80,935+13.1% |
| Participation rate | 31.1% | 63.9%-32.8pp | 69.5%-38.4pp | 67.7%-36.6pp |
| Annual return | 7.98% | 16.37%-8.4pp | 24.82%-16.8pp | 35.66%-27.7pp |
| Employer contribution / active EE | $490 | $1,981-75.3% | $2,464-80.1% | $2,757-82.2% |
| Participant deferral / active EE | $2,126 | $3,093-31.3% | $3,885-45.3% | $4,299-50.6% |
| Admin fee / account holder | $4,275 | $5,686-24.8% | $5,766-25.9% | $6,924-38.3% |