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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 | $32,278 | $31,388+2.8% | $73,550-56.1% | $62,293-48.2% |
| Participation rate | 15.2% | 39.9%-24.7pp | 54.9%-39.8pp | 69.5%-54.4pp |
| Annual return | 13.41% | 25.34%-11.9pp | -15.16%+28.6pp | 28.90%-15.5pp |
| Employer contribution / active EE | $315 | $498-36.7% | $1,219-74.1% | $2,042-84.6% |
| Participant deferral / active EE | $1,038 | $1,028+0.9% | $1,804-42.5% | $3,169-67.3% |
| Admin fee / account holder | $13,236 | $299+4321.1% | $2,320+470.6% | $479+2661.3% |