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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 | $97,631 | $29,051+236.1% | $52,425+86.2% | $67,986+43.6% |
| Participation rate | 12.9% | 30.4%-17.6pp | 55.6%-42.7pp | 57.2%-44.3pp |
| Annual return | 12.33% | 24.00%-11.7pp | 302.12%-289.8pp | 31.67%-19.3pp |
| Employer contribution / active EE | $231 | $412-43.8% | $914-74.7% | $2,019-88.5% |
| Participant deferral / active EE | $361 | $873-58.6% | $1,790-79.8% | $3,358-89.2% |
| Admin fee / account holder | $1,413 | $2,113-33.1% | $2,495-43.4% | $3,203-55.9% |