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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 | $95,718 | $37,446+155.6% | $77,552+23.4% | $79,856+19.9% |
| Participation rate | 31.0% | 41.5%-10.5pp | 54.2%-23.2pp | 69.6%-38.6pp |
| Annual return | 8.20% | 39.76%-31.6pp | 54.82%-46.6pp | 31.71%-23.5pp |
| Employer contribution / active EE | $384 | $637-39.8% | $987-61.1% | $2,471-84.5% |
| Participant deferral / active EE | $875 | $1,261-30.6% | $1,861-53.0% | $3,741-76.6% |
| Admin fee / account holder | $3,253 | $2,506+29.8% | $2,859+13.8% | $5,306-38.7% |