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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 | $68,407 | $29,051+135.5% | $52,425+30.5% | $67,986+0.6% |
| Participation rate | 13.8% | 30.4%-16.6pp | 55.6%-41.8pp | 57.2%-43.4pp |
| Annual return | 12.94% | 24.00%-11.1pp | 302.12%-289.2pp | 31.67%-18.7pp |
| Employer contribution / active EE | $112 | $412-72.8% | $914-87.8% | $2,019-94.5% |
| Participant deferral / active EE | $497 | $873-43.0% | $1,790-72.2% | $3,358-85.2% |
| Admin fee / account holder | $2,645 | $2,113+25.2% | $2,495+6.0% | $3,203-17.4% |