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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 | $91,112 | $56,894+60.1% | $84,753+7.5% | $62,881+44.9% |
| Participation rate | 47.5% | 68.5%-21.0pp | 76.6%-29.1pp | 69.3%-21.8pp |
| Annual return | 0.21% | 6.30%-6.1pp | 22.78%-22.6pp | 20.14%-19.9pp |
| Employer contribution / active EE | $1,042 | $2,400-56.6% | $3,574-70.9% | $2,281-54.3% |
| Participant deferral / active EE | $2,026 | $2,709-25.2% | $3,712-45.4% | $3,203-36.8% |
| Admin fee / account holder | $2,541 | $3,581-29.0% | $5,333-52.4% | $4,296-40.8% |