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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 | $86,685 | $54,541+58.9% | $78,778+10.0% | $70,126+23.6% |
| Participation rate | 32.1% | 60.8%-28.7pp | 69.2%-37.0pp | 69.5%-37.4pp |
| Annual return | 9.45% | 21.07%-11.6pp | 35.62%-26.2pp | 73.15%-63.7pp |
| Employer contribution / active EE | $687 | $1,089-36.9% | $1,986-65.4% | $2,343-70.7% |
| Participant deferral / active EE | $1,734 | $2,210-21.5% | $2,958-41.4% | $3,332-47.9% |
| Admin fee / account holder | $18,197 | $3,709+390.7% | $5,134+254.4% | $4,645+291.7% |