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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 | $83,728 | $45,123+85.6% | $85,240-1.8% | $74,478+12.4% |
| Participation rate | 23.8% | 49.4%-25.6pp | 67.5%-43.8pp | 67.2%-43.5pp |
| Annual return | 10.13% | 26.32%-16.2pp | 66.75%-56.6pp | 1370.56%-1360.4pp |
| Employer contribution / active EE | $1,331 | $1,459-8.8% | $2,735-51.3% | $2,626-49.3% |
| Participant deferral / active EE | $1,563 | $2,736-42.9% | $4,527-65.5% | $4,350-64.1% |
| Admin fee / account holder | $12,883 | $2,215+481.7% | $6,165+109.0% | $1,946+562.1% |