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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 | $138,816 | $88,672+56.5% | $105,223+31.9% | $82,448+68.4% |
| Participation rate | 17.5% | 67.9%-50.4pp | 75.0%-57.5pp | 68.1%-50.6pp |
| Annual return | 11.72% | 30.86%-19.1pp | 180.65%-168.9pp | 41.64%-29.9pp |
| Employer contribution / active EE | $1,468 | $3,048-51.8% | $3,689-60.2% | $2,551-42.5% |
| Participant deferral / active EE | $2,926 | $4,036-27.5% | $5,072-42.3% | $4,139-29.3% |
| Admin fee / account holder | $2,543 | $7,146-64.4% | $8,859-71.3% | $7,234-64.9% |