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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 | $91,973 | $58,493+57.2% | $84,021+9.5% | $72,975+26.0% |
| Participation rate | 54.8% | 61.2%-6.4pp | 69.0%-14.2pp | 69.5%-14.7pp |
| Annual return | 14.66% | 28.93%-14.3pp | 71.32%-56.7pp | 81.01%-66.4pp |
| Employer contribution / active EE | $824 | $1,163-29.1% | $1,984-58.5% | $2,440-66.2% |
| Participant deferral / active EE | $2,280 | $2,394-4.7% | $3,239-29.6% | $3,608-36.8% |
| Admin fee / account holder | $18,107 | $4,569+296.3% | $6,102+196.8% | $5,124+253.4% |