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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 | $80,624 | $48,118+67.6% | $136,833-41.1% | $94,015-14.2% |
| Participation rate | 40.0% | 47.4%-7.4pp | 59.0%-19.0pp | 70.8%-30.8pp |
| Annual return | 7.31% | 14.65%-7.3pp | 35.32%-28.0pp | 17.84%-10.5pp |
| Employer contribution / active EE | $710 | $821-13.5% | $1,319-46.2% | $2,790-74.6% |
| Participant deferral / active EE | $1,801 | $1,651+9.1% | $2,441-26.2% | $4,249-57.6% |
| Admin fee / account holder | $1,630 | $3,059-46.7% | $4,706-65.4% | $8,951-81.8% |