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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 | $96,213 | $67,411+42.7% | $91,004+5.7% | $70,126+37.2% |
| Participation rate | 43.8% | 71.4%-27.6pp | 75.6%-31.9pp | 69.5%-25.8pp |
| Annual return | 2.52% | -40.16%+42.7pp | 4.60%-2.1pp | 73.15%-70.6pp |
| Employer contribution / active EE | $781 | $1,786-56.3% | $2,456-68.2% | $2,343-66.7% |
| Participant deferral / active EE | $1,708 | $2,823-39.5% | $3,548-51.9% | $3,332-48.8% |
| Admin fee / account holder | $639 | $4,236-84.9% | $5,417-88.2% | $4,645-86.2% |