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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 | $36,140+89.3% | $73,658-7.1% | $64,340+6.3% |
| Participation rate | 13.8% | 31.0%-17.2pp | 57.0%-43.2pp | 55.2%-41.5pp |
| Annual return | 12.94% | 21.48%-8.5pp | 29.72%-16.8pp | 24.14%-11.2pp |
| Employer contribution / active EE | $112 | $443-74.8% | $1,032-89.2% | $1,862-94.0% |
| Participant deferral / active EE | $497 | $1,023-51.4% | $2,062-75.9% | $2,980-83.3% |
| Admin fee / account holder | $2,645 | $2,513+5.3% | $3,357-21.2% | $3,703-28.6% |