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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 | $112,897 | $36,948+205.6% | $73,658+53.3% | $87,485+29.0% |
| Participation rate | 13.9% | 46.8%-32.9pp | 57.0%-43.2pp | 68.9%-55.0pp |
| Annual return | 10.71% | 28.64%-17.9pp | 29.72%-19.0pp | 26.06%-15.4pp |
| Employer contribution / active EE | $349 | $670-47.8% | $1,032-66.2% | $2,596-86.5% |
| Participant deferral / active EE | $1,335 | $1,379-3.2% | $2,062-35.3% | $4,274-68.8% |
| Admin fee / account holder | $3,291 | $2,531+30.0% | $3,357-2.0% | $7,775-57.7% |