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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 | $77,822 | $76,407+1.9% | $150,298-48.2% | $82,448-5.6% |
| Participation rate | 18.0% | 66.4%-48.4pp | 77.8%-59.7pp | 68.1%-50.0pp |
| Annual return | 12.45% | 39.99%-27.5pp | 62.79%-50.3pp | 41.64%-29.2pp |
| Employer contribution / active EE | $366 | $2,614-86.0% | $4,154-91.2% | $2,551-85.7% |
| Participant deferral / active EE | $1,533 | $3,214-52.3% | $5,453-71.9% | $4,139-63.0% |
| Admin fee / account holder | $2,412 | $6,352-62.0% | $14,116-82.9% | $7,234-66.7% |