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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 | $56,317 | $48,364+16.4% | $71,796-21.6% | $62,881-10.4% |
| Participation rate | 51.4% | 60.6%-9.2pp | 69.1%-17.7pp | 69.3%-17.9pp |
| Annual return | 4.41% | 13.16%-8.7pp | 78.04%-73.6pp | 20.14%-15.7pp |
| Employer contribution / active EE | $1,336 | $1,042+28.2% | $1,924-30.6% | $2,281-41.4% |
| Participant deferral / active EE | $1,408 | $2,091-32.7% | $2,794-49.6% | $3,203-56.0% |
| Admin fee / account holder | $1,234 | $3,771-67.3% | $4,815-74.4% | $4,296-71.3% |