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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 | $57,570 | $37,446+53.7% | $77,513-25.7% | $79,852-27.9% |
| Participation rate | 21.1% | 41.5%-20.5pp | 54.2%-33.1pp | 69.6%-48.6pp |
| Annual return | 10.11% | 39.76%-29.7pp | 54.81%-44.7pp | 31.72%-21.6pp |
| Employer contribution / active EE | $248 | $637-61.0% | $987-74.8% | $2,471-90.0% |
| Participant deferral / active EE | $824 | $1,261-34.7% | $1,861-55.7% | $3,740-78.0% |
| Admin fee / account holder | $3,643 | $2,506+45.4% | $2,859+27.4% | $5,306-31.3% |