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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 | $90,237 | $63,703+41.7% | $93,063-3.0% | $82,448+9.4% |
| Participation rate | 48.6% | 63.8%-15.2pp | 72.1%-23.5pp | 68.1%-19.4pp |
| Annual return | 11.25% | -775.43%+786.7pp | 34.15%-22.9pp | 41.64%-30.4pp |
| Employer contribution / active EE | $683 | $1,729-60.5% | $2,476-72.4% | $2,551-73.2% |
| Participant deferral / active EE | $1,787 | $2,919-38.8% | $3,958-54.9% | $4,139-56.8% |
| Admin fee / account holder | $1,390 | $5,982-76.8% | $6,033-77.0% | $7,234-80.8% |