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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 | $81,719 | $30,423+168.6% | $56,025+45.9% | $74,478+9.7% |
| Participation rate | 16.4% | 32.9%-16.5pp | 52.5%-36.1pp | 67.2%-50.9pp |
| Annual return | 10.25% | 24.97%-14.7pp | 1712.69%-1702.4pp | 1370.56%-1360.3pp |
| Employer contribution / active EE | $307 | $610-49.7% | $1,042-70.5% | $2,626-88.3% |
| Participant deferral / active EE | $1,069 | $1,176-9.2% | $1,955-45.3% | $4,350-75.4% |
| Admin fee / account holder | $6,911 | $2,363+192.5% | $2,828+144.4% | $1,946+255.2% |