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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 | $64,096 | $51,638+24.1% | $129,406-50.5% | $80,959-20.8% |
| Participation rate | 51.3% | 56.9%-5.6pp | 69.6%-18.4pp | 67.7%-16.4pp |
| Annual return | 9.29% | 20.78%-11.5pp | 9468.18%-9458.9pp | 35.67%-26.4pp |
| Employer contribution / active EE | $1,253 | $1,584-20.8% | $4,155-69.8% | $2,757-54.5% |
| Participant deferral / active EE | $2,531 | $2,670-5.2% | $4,167-39.3% | $4,300-41.1% |
| Admin fee / account holder | $928 | $4,313-78.5% | $7,689-87.9% | $6,925-86.6% |