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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 | $54,085 | $31,388+72.3% | $73,550-26.5% | $62,293-13.2% |
| Participation rate | 10.3% | 39.9%-29.6pp | 54.9%-44.7pp | 69.5%-59.3pp |
| Annual return | 7.06% | 25.34%-18.3pp | -15.16%+22.2pp | 28.90%-21.8pp |
| Employer contribution / active EE | $248 | $498-50.3% | $1,219-79.7% | $2,042-87.9% |
| Participant deferral / active EE | $688 | $1,028-33.1% | $1,804-61.9% | $3,169-78.3% |
| Admin fee / account holder | $2,234 | $299+646.2% | $2,320-3.7% | $479+366.1% |