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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 | $83,514 | $81,233+2.8% | $155,567-46.3% | $80,874+3.3% |
| Participation rate | 17.8% | 66.2%-48.5pp | 78.2%-60.4pp | 67.6%-49.9pp |
| Annual return | 9.04% | 33.33%-24.3pp | 64.74%-55.7pp | 35.62%-26.6pp |
| Employer contribution / active EE | $806 | $3,101-74.0% | $4,674-82.8% | $2,756-70.7% |
| Participant deferral / active EE | $1,060 | $3,452-69.3% | $5,628-81.2% | $4,297-75.3% |
| Admin fee / account holder | $672 | $7,998-91.6% | $15,916-95.8% | $6,935-90.3% |