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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 | $85,002 | $29,736+185.9% | $56,033+51.7% | $80,935+5.0% |
| Participation rate | 40.5% | 41.7%-1.2pp | 52.5%-12.0pp | 67.7%-27.2pp |
| Annual return | 7.44% | 35.28%-27.8pp | 1711.38%-1703.9pp | 35.66%-28.2pp |
| Employer contribution / active EE | $631 | $671-6.0% | $1,041-39.4% | $2,757-77.1% |
| Participant deferral / active EE | $1,764 | $1,228+43.6% | $1,954-9.7% | $4,299-59.0% |
| Admin fee / account holder | $1,191 | $2,434-51.1% | $2,827-57.9% | $6,924-82.8% |