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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 | $184,455 | $74,535+147.5% | $100,712+83.2% | $82,637+123.2% |
| Participation rate | 20.7% | 61.2%-40.5pp | 69.3%-48.6pp | 68.1%-47.4pp |
| Annual return | 8.89% | 18.92%-10.0pp | 33.27%-24.4pp | 53.51%-44.6pp |
| Employer contribution / active EE | $682 | $1,503-54.6% | $2,313-70.5% | $2,552-73.3% |
| Participant deferral / active EE | $4,656 | $3,074+51.5% | $4,085+14.0% | $4,126+12.9% |
| Admin fee / account holder | $72,498 | $6,576+1002.5% | $9,256+683.2% | $7,339+887.9% |