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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 | $81,780 | $58,512+39.8% | $84,020-2.7% | $72,983+12.1% |
| Participation rate | 54.8% | 61.2%-6.5pp | 69.0%-14.3pp | 69.5%-14.7pp |
| Annual return | 14.18% | 28.93%-14.8pp | 71.31%-57.1pp | 81.01%-66.8pp |
| Employer contribution / active EE | $599 | $1,163-48.5% | $1,984-69.8% | $2,440-75.5% |
| Participant deferral / active EE | $2,071 | $2,394-13.5% | $3,239-36.1% | $3,608-42.6% |
| Admin fee / account holder | $518 | $4,569-88.7% | $6,101-91.5% | $5,124-89.9% |