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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 | $65,393 | $56,047+16.7% | $98,716-33.8% | $79,634-17.9% |
| Participation rate | 18.1% | 54.6%-36.5pp | 69.3%-51.1pp | 62.5%-44.3pp |
| Annual return | 12.84% | 17.58%-4.7pp | 31.81%-19.0pp | 36.46%-23.6pp |
| Employer contribution / active EE | $181 | $1,237-85.3% | $2,279-92.0% | $2,529-92.8% |
| Participant deferral / active EE | $1,626 | $2,469-34.2% | $4,048-59.8% | $3,835-57.6% |
| Admin fee / account holder | $7,532 | $1,512+398.1% | $8,703-13.5% | $1,002+651.7% |