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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 | $89,150 | $78,015+14.3% | $178,505-50.1% | $80,959+10.1% |
| Participation rate | 13.5% | 65.7%-52.2pp | 77.1%-63.6pp | 67.7%-54.2pp |
| Annual return | 9.28% | 18.10%-8.8pp | 27.16%-17.9pp | 35.67%-26.4pp |
| Employer contribution / active EE | $695 | $2,281-69.5% | $3,955-82.4% | $2,757-74.8% |
| Participant deferral / active EE | $1,483 | $4,406-66.3% | $6,280-76.4% | $4,300-65.5% |
| Admin fee / account holder | $37,780 | $7,160+427.6% | $10,428+262.3% | $6,925+445.5% |