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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 | $72,529 | $86,341-16.0% | $125,195-42.1% | $65,186+11.3% |
| Participation rate | 58.1% | 75.3%-17.2pp | 79.8%-21.7pp | 70.2%-12.1pp |
| Annual return | 4.50% | 27.44%-22.9pp | 43.79%-39.3pp | 29.39%-24.9pp |
| Employer contribution / active EE | $1,239 | $2,040-39.3% | $3,866-68.0% | $2,177-43.1% |
| Participant deferral / active EE | $2,766 | $3,538-21.8% | $4,937-44.0% | $3,514-21.3% |
| Admin fee / account holder | $5,453 | $609+794.9% | $9,704-43.8% | $847+543.6% |