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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 | $45,123+33.7% | $85,240-29.2% | $74,478-19.0% |
| Participation rate | 26.6% | 49.4%-22.7pp | 67.5%-40.9pp | 67.2%-40.6pp |
| Annual return | 10.52% | 26.32%-15.8pp | 66.75%-56.2pp | 1370.56%-1360.0pp |
| Employer contribution / active EE | $613 | $1,459-58.0% | $2,735-77.6% | $2,626-76.7% |
| Participant deferral / active EE | $1,638 | $2,736-40.1% | $4,527-63.8% | $4,350-62.3% |
| Admin fee / account holder | $4,808 | $2,215+117.1% | $6,165-22.0% | $1,946+147.1% |