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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 | $84,226 | $36,844+128.6% | $83,854+0.4% | $65,306+29.0% |
| Participation rate | 10.4% | 29.2%-18.8pp | 59.1%-48.7pp | 57.7%-47.3pp |
| Annual return | 12.13% | 22.28%-10.2pp | 31.39%-19.3pp | 21.94%-9.8pp |
| Employer contribution / active EE | $424 | $415+2.2% | $1,017-58.3% | $1,967-78.4% |
| Participant deferral / active EE | $450 | $1,040-56.7% | $2,035-77.9% | $2,959-84.8% |
| Admin fee / account holder | $513 | $2,546-79.9% | $3,197-84.0% | $3,480-85.3% |