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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 | $70,426 | $32,037+119.8% | $69,182+1.8% | $62,881+12.0% |
| Participation rate | 45.2% | 43.4%+1.7pp | 55.1%-10.0pp | 69.3%-24.1pp |
| Annual return | 1.09% | 15.16%-14.1pp | -21.93%+23.0pp | 20.14%-19.1pp |
| Employer contribution / active EE | $1,032 | $679+51.9% | $1,206-14.5% | $2,281-54.8% |
| Participant deferral / active EE | $1,721 | $1,185+45.2% | $1,897-9.3% | $3,203-46.3% |
| Admin fee / account holder | $2,206 | $2,608-15.4% | $2,697-18.2% | $4,296-48.7% |