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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 | $64,462+42.0% | $81,482+12.3% | $80,911+13.1% |
| Participation rate | 31.1% | 63.9%-32.8pp | 69.5%-38.4pp | 67.6%-36.5pp |
| Annual return | 7.98% | 16.35%-8.4pp | 24.79%-16.8pp | 35.63%-27.6pp |
| Employer contribution / active EE | $490 | $1,979-75.2% | $2,463-80.1% | $2,756-82.2% |
| Participant deferral / active EE | $2,126 | $3,094-31.3% | $3,885-45.3% | $4,297-50.5% |
| Admin fee / account holder | $4,275 | $5,678-24.7% | $5,761-25.8% | $6,935-38.3% |