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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 | $95,431 | $36,948+158.3% | $73,658+29.6% | $87,485+9.1% |
| Participation rate | 22.2% | 46.8%-24.6pp | 57.0%-34.8pp | 68.9%-46.7pp |
| Annual return | 10.49% | 28.64%-18.1pp | 29.72%-19.2pp | 26.06%-15.6pp |
| Employer contribution / active EE | $195 | $670-70.9% | $1,032-81.1% | $2,596-92.5% |
| Participant deferral / active EE | $922 | $1,379-33.2% | $2,062-55.3% | $4,274-78.4% |
| Admin fee / account holder | $1,151 | $2,531-54.5% | $3,357-65.7% | $7,775-85.2% |