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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 | $194,514 | $36,948+426.4% | $73,658+164.1% | $87,485+122.3% |
| Participation rate | 3.4% | 46.8%-43.4pp | 57.0%-53.6pp | 68.9%-65.5pp |
| Annual return | 13.55% | 28.64%-15.1pp | 29.72%-16.2pp | 26.06%-12.5pp |
| Employer contribution / active EE | $97 | $670-85.6% | $1,032-90.6% | $2,596-96.3% |
| Participant deferral / active EE | $810 | $1,379-41.2% | $2,062-60.7% | $4,274-81.0% |
| Admin fee / account holder | $1,688 | $2,531-33.3% | $3,357-49.7% | $7,775-78.3% |