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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 | $83,359 | $36,948+125.6% | $73,658+13.2% | $87,485-4.7% |
| Participation rate | 25.0% | 46.8%-21.8pp | 57.0%-32.0pp | 68.9%-43.9pp |
| Annual return | 12.42% | 28.64%-16.2pp | 29.72%-17.3pp | 26.06%-13.6pp |
| Employer contribution / active EE | $571 | $670-14.8% | $1,032-44.7% | $2,596-78.0% |
| Participant deferral / active EE | $4,007 | $1,379+190.6% | $2,062+94.3% | $4,274-6.2% |
| Admin fee / account holder | $317 | $2,531-87.5% | $3,357-90.5% | $7,775-95.9% |