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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 | $83,248 | $31,105+167.6% | $53,647+55.2% | $64,097+29.9% |
| Participation rate | 22.4% | 30.7%-8.3pp | 56.3%-33.9pp | 55.2%-32.8pp |
| Annual return | 11.60% | 22.54%-10.9pp | 358.33%-346.7pp | 34.64%-23.0pp |
| Employer contribution / active EE | $378 | $441-14.3% | $962-60.7% | $1,891-80.0% |
| Participant deferral / active EE | $734 | $896-18.1% | $1,813-59.5% | $3,080-76.2% |
| Admin fee / account holder | $5,938 | $2,195+170.5% | $2,460+141.4% | $3,454+71.9% |