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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 | $93,468 | $65,712+42.2% | $57,196+63.4% | $273,972-65.9% |
| Participation rate | 20.0% | 78.3%-58.3pp | 75.3%-55.3pp | 83.0%-63.0pp |
| Annual return | 0.29% | 22.01%-21.7pp | 14.59%-14.3pp | 41.46%-41.2pp |
| Employer contribution / active EE | $317 | $3,280-90.3% | $2,683-88.2% | $4,869-93.5% |
| Participant deferral / active EE | $2,360 | $3,782-37.6% | $3,096-23.8% | $5,287-55.4% |
| Admin fee / account holder | $5,016 | $4,838+3.7% | $3,141+59.7% | $10,133-50.5% |