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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 | $91,753 | $63,082+45.4% | $81,726+12.3% | $79,856+14.9% |
| Participation rate | 26.1% | 67.5%-41.4pp | 72.0%-45.9pp | 69.6%-43.5pp |
| Annual return | -1.36% | 22.66%-24.0pp | 29.49%-30.9pp | 31.71%-33.1pp |
| Employer contribution / active EE | $624 | $1,795-65.2% | $4,311-85.5% | $2,471-74.7% |
| Participant deferral / active EE | $1,861 | $2,780-33.1% | $7,108-73.8% | $3,741-50.3% |
| Admin fee / account holder | $481 | $4,428-89.1% | $5,160-90.7% | $5,306-90.9% |