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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 | $65,091 | $32,037+103.2% | $69,182-5.9% | $62,881+3.5% |
| Participation rate | 18.5% | 43.4%-24.9pp | 55.1%-36.6pp | 69.3%-50.8pp |
| Annual return | 4.41% | 15.16%-10.8pp | -21.93%+26.3pp | 20.14%-15.7pp |
| Employer contribution / active EE | $185 | $679-72.8% | $1,206-84.7% | $2,281-91.9% |
| Participant deferral / active EE | $1,578 | $1,185+33.2% | $1,897-16.8% | $3,203-50.7% |
| Admin fee / account holder | $1,448 | $2,608-44.5% | $2,697-46.3% | $4,296-66.3% |