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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 | $93,868 | $65,961+42.3% | $180,320-47.9% | $94,015-0.2% |
| Participation rate | 16.0% | 61.3%-45.3pp | 71.5%-55.5pp | 70.8%-54.8pp |
| Annual return | 10.36% | 14.27%-3.9pp | 778.54%-768.2pp | 17.84%-7.5pp |
| Employer contribution / active EE | $496 | $1,737-71.4% | $4,108-87.9% | $2,790-82.2% |
| Participant deferral / active EE | $2,401 | $3,003-20.1% | $4,304-44.2% | $4,249-43.5% |
| Admin fee / account holder | $21,283 | $4,901+334.3% | $10,000+112.8% | $8,951+137.8% |