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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 | $87,958 | $73,107+20.3% | $114,563-23.2% | $87,485+0.5% |
| Participation rate | 26.3% | 65.8%-39.5pp | 72.9%-46.7pp | 68.9%-42.7pp |
| Annual return | 11.04% | 19.47%-8.4pp | 241.09%-230.1pp | 26.06%-15.0pp |
| Employer contribution / active EE | $363 | $1,881-80.7% | $2,592-86.0% | $2,596-86.0% |
| Participant deferral / active EE | $1,140 | $3,144-63.7% | $4,142-72.5% | $4,274-73.3% |
| Admin fee / account holder | $11,801 | $5,770+104.5% | $7,623+54.8% | $7,775+51.8% |