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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 | $79,566 | $27,924+184.9% | $58,544+35.9% | $75,181+5.8% |
| Participation rate | 19.4% | 38.8%-19.5pp | 50.9%-31.5pp | 67.2%-47.8pp |
| Annual return | 12.21% | 44.20%-32.0pp | 4249.56%-4237.3pp | 160.69%-148.5pp |
| Employer contribution / active EE | $407 | $669-39.2% | $1,053-61.4% | $2,671-84.8% |
| Participant deferral / active EE | $3,239 | $1,202+169.5% | $1,923+68.4% | $4,126-21.5% |
| Admin fee / account holder | $1,830 | $1,726+6.0% | $2,520-27.4% | $5,650-67.6% |