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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 | $97,117 | $57,073+70.2% | $85,126+14.1% | $80,925+20.0% |
| Participation rate | 47.2% | 56.4%-9.2pp | 67.5%-20.3pp | 67.7%-20.4pp |
| Annual return | 9.76% | 21.69%-11.9pp | 66.63%-56.9pp | 35.65%-25.9pp |
| Employer contribution / active EE | $740 | $1,801-58.9% | $2,731-72.9% | $2,756-73.2% |
| Participant deferral / active EE | $2,959 | $3,113-5.0% | $4,523-34.6% | $4,299-31.2% |
| Admin fee / account holder | $2,186 | $4,988-56.2% | $6,160-64.5% | $6,940-68.5% |