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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 | $74,774 | $31,105+140.4% | $53,647+39.4% | $64,097+16.7% |
| Participation rate | 45.5% | 30.7%+14.8pp | 56.3%-10.8pp | 55.2%-9.7pp |
| Annual return | 11.37% | 22.54%-11.2pp | 358.33%-347.0pp | 34.64%-23.3pp |
| Employer contribution / active EE | $184 | $441-58.3% | $962-80.9% | $1,891-90.3% |
| Participant deferral / active EE | $2,318 | $896+158.6% | $1,813+27.8% | $3,080-24.7% |
| Admin fee / account holder | $12,554 | $2,195+472.0% | $2,460+410.4% | $3,454+263.4% |