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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 | $74,796 | $25,014+199.0% | $69,623+7.4% | $80,935-7.6% |
| Participation rate | 16.0% | 64.2%-48.2pp | 66.4%-50.4pp | 67.7%-51.7pp |
| Annual return | 10.39% | 19.08%-8.7pp | 101.23%-90.8pp | 35.66%-25.3pp |
| Employer contribution / active EE | $323 | $991-67.4% | $1,709-81.1% | $2,757-88.3% |
| Participant deferral / active EE | $2,714 | $1,840+47.6% | $2,890-6.1% | $4,299-36.9% |
| Admin fee / account holder | $3,082 | $2,491+23.7% | $4,696-34.4% | $6,924-55.5% |