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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 | $86,821 | $35,183+146.8% | $73,550+18.0% | $70,126+23.8% |
| Participation rate | 34.4% | 42.9%-8.6pp | 54.9%-20.6pp | 69.5%-35.2pp |
| Annual return | 4.80% | 26.90%-22.1pp | -15.16%+20.0pp | 73.15%-68.4pp |
| Employer contribution / active EE | $817 | $709+15.2% | $1,219-33.0% | $2,343-65.1% |
| Participant deferral / active EE | $2,891 | $1,220+137.0% | $1,804+60.3% | $3,332-13.2% |
| Admin fee / account holder | $3,261 | $2,302+41.6% | $2,320+40.6% | $4,645-29.8% |