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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 | $49,682 | $36,948+34.5% | $73,658-32.6% | $87,485-43.2% |
| Participation rate | 19.1% | 46.8%-27.7pp | 57.0%-37.9pp | 68.9%-49.8pp |
| Annual return | 6.20% | 28.64%-22.4pp | 29.72%-23.5pp | 26.06%-19.9pp |
| Employer contribution / active EE | $366 | $670-45.4% | $1,032-64.6% | $2,596-85.9% |
| Participant deferral / active EE | $954 | $1,379-30.8% | $2,062-53.7% | $4,274-77.7% |
| Admin fee / account holder | $34,078 | $2,531+1246.6% | $3,357+915.2% | $7,775+338.3% |