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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 | $98,985 | $29,670+233.6% | $56,054+76.6% | $80,911+22.3% |
| Participation rate | 24.1% | 41.7%-17.5pp | 52.5%-28.3pp | 67.6%-43.5pp |
| Annual return | 9.52% | 35.24%-25.7pp | 1705.95%-1696.4pp | 35.63%-26.1pp |
| Employer contribution / active EE | $324 | $670-51.7% | $1,039-68.9% | $2,756-88.3% |
| Participant deferral / active EE | $1,588 | $1,227+29.4% | $1,952-18.7% | $4,297-63.1% |
| Admin fee / account holder | $28,391 | $2,431+1068.0% | $2,822+905.9% | $6,935+309.4% |