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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 | $83,563 | $36,140+131.2% | $73,658+13.4% | $64,340+29.9% |
| Participation rate | 16.5% | 31.0%-14.5pp | 57.0%-40.5pp | 55.2%-38.7pp |
| Annual return | 13.70% | 21.48%-7.8pp | 29.72%-16.0pp | 24.14%-10.4pp |
| Employer contribution / active EE | $363 | $443-18.0% | $1,032-64.8% | $1,862-80.5% |
| Participant deferral / active EE | $446 | $1,023-56.4% | $2,062-78.4% | $2,980-85.0% |
| Admin fee / account holder | $6,056 | $2,513+141.0% | $3,357+80.4% | $3,703+63.6% |