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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 | $85,430 | $60,442+41.3% | $96,754-11.7% | $87,485-2.3% |
| Participation rate | 19.2% | 58.7%-39.5pp | 70.3%-51.0pp | 68.9%-49.7pp |
| Annual return | 12.90% | 21.97%-9.1pp | 82.04%-69.1pp | 26.06%-13.2pp |
| Employer contribution / active EE | $373 | $1,691-77.9% | $2,679-86.1% | $2,596-85.6% |
| Participant deferral / active EE | $889 | $3,280-72.9% | $4,758-81.3% | $4,274-79.2% |
| Admin fee / account holder | $6,538 | $5,069+29.0% | $8,905-26.6% | $7,775-15.9% |