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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 | $53,016 | $36,948+43.5% | $73,658-28.0% | $87,485-39.4% |
| Participation rate | 13.7% | 46.8%-33.1pp | 57.0%-43.3pp | 68.9%-55.2pp |
| Annual return | 12.27% | 28.64%-16.4pp | 29.72%-17.4pp | 26.06%-13.8pp |
| Employer contribution / active EE | $150 | $670-77.7% | $1,032-85.5% | $2,596-94.2% |
| Participant deferral / active EE | $401 | $1,379-71.0% | $2,062-80.6% | $4,274-90.6% |
| Admin fee / account holder | $1,872 | $2,531-26.0% | $3,357-44.2% | $7,775-75.9% |