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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 | $85,815 | $81,504+5.3% | $102,437-16.2% | $80,959+6.0% |
| Participation rate | 22.2% | 66.9%-44.6pp | 74.5%-52.3pp | 67.7%-45.4pp |
| Annual return | 9.96% | 25.60%-15.6pp | 24.95%-15.0pp | 35.67%-25.7pp |
| Employer contribution / active EE | $988 | $3,104-68.2% | $3,871-74.5% | $2,757-64.2% |
| Participant deferral / active EE | $2,097 | $3,871-45.8% | $5,060-58.6% | $4,300-51.2% |
| Admin fee / account holder | $6,006 | $6,719-10.6% | $8,388-28.4% | $6,925-13.3% |