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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 | $70,404 | $63,156+11.5% | $122,354-42.5% | $62,293+13.0% |
| Participation rate | 16.7% | 60.0%-43.4pp | 71.6%-55.0pp | 69.5%-52.8pp |
| Annual return | 13.64% | 20.61%-7.0pp | 30.28%-16.6pp | 28.90%-15.3pp |
| Employer contribution / active EE | $413 | $1,385-70.2% | $4,051-89.8% | $2,042-79.8% |
| Participant deferral / active EE | $1,107 | $2,321-52.3% | $3,287-66.3% | $3,169-65.1% |
| Admin fee / account holder | $12,823 | $440+2814.9% | $5,479+134.1% | $479+2575.2% |