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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 | $77,312 | $36,948+109.2% | $73,658+5.0% | $87,485-11.6% |
| Participation rate | 25.5% | 46.8%-21.3pp | 57.0%-31.5pp | 68.9%-43.4pp |
| Annual return | 12.05% | 28.64%-16.6pp | 29.72%-17.7pp | 26.06%-14.0pp |
| Employer contribution / active EE | $101 | $670-84.9% | $1,032-90.2% | $2,596-96.1% |
| Participant deferral / active EE | $983 | $1,379-28.7% | $2,062-52.3% | $4,274-77.0% |
| Admin fee / account holder | $6,198 | $2,531+144.9% | $3,357+84.6% | $7,775-20.3% |