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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 | $90,037 | $41,150+118.8% | $80,627+11.7% | $71,511+25.9% |
| Participation rate | 17.4% | 50.3%-32.9pp | 67.0%-49.6pp | 67.9%-50.5pp |
| Annual return | 11.13% | 38.48%-27.3pp | 936.76%-925.6pp | 28.86%-17.7pp |
| Employer contribution / active EE | $443 | $1,515-70.8% | $2,723-83.7% | $2,589-82.9% |
| Participant deferral / active EE | $798 | $2,701-70.4% | $4,443-82.0% | $4,291-81.4% |
| Admin fee / account holder | $1,729 | $1,841-6.1% | $5,381-67.9% | $1,588+8.8% |