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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 | $60,326 | $44,984+34.1% | $85,009-29.0% | $74,546-19.1% |
| Participation rate | 26.6% | 49.4%-22.8pp | 67.5%-40.9pp | 67.2%-40.6pp |
| Annual return | 10.52% | 26.25%-15.7pp | 66.47%-56.0pp | 1366.03%-1355.5pp |
| Employer contribution / active EE | $613 | $1,458-58.0% | $2,728-77.5% | $2,624-76.7% |
| Participant deferral / active EE | $1,638 | $2,733-40.1% | $4,522-63.8% | $4,347-62.3% |
| Admin fee / account holder | $4,808 | $2,208+117.8% | $6,153-21.8% | $1,944+147.4% |