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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 | $80,680 | $64,359+25.4% | $90,161-10.5% | $70,126+15.1% |
| Participation rate | 53.8% | 70.4%-16.6pp | 76.9%-23.0pp | 69.5%-15.7pp |
| Annual return | 14.01% | 28.13%-14.1pp | 34.89%-20.9pp | 73.15%-59.1pp |
| Employer contribution / active EE | $320 | $2,046-84.4% | $3,318-90.4% | $2,343-86.4% |
| Participant deferral / active EE | $2,534 | $4,389-42.3% | $5,287-52.1% | $3,332-24.0% |
| Admin fee / account holder | $28,441 | $3,945+620.9% | $5,943+378.5% | $4,645+512.2% |