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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 | $89,752 | $63,114+42.2% | $92,909-3.4% | $65,185+37.7% |
| Participation rate | 28.7% | 68.8%-40.1pp | 76.0%-47.3pp | 70.2%-41.5pp |
| Annual return | 15.64% | 28.75%-13.1pp | 109.44%-93.8pp | 29.38%-13.7pp |
| Employer contribution / active EE | $831 | $2,571-67.7% | $3,653-77.3% | $2,177-61.8% |
| Participant deferral / active EE | $1,817 | $3,108-41.6% | $4,238-57.1% | $3,514-48.3% |
| Admin fee / account holder | $3,920 | $624+528.6% | $5,795-32.4% | $847+362.7% |