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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 | $137,141 | $65,704+108.7% | $94,229+45.5% | $59,633+130.0% |
| Participation rate | 58.8% | 72.1%-13.3pp | 78.8%-19.9pp | 68.7%-9.8pp |
| Annual return | -6.20% | 5.22%-11.4pp | 10.68%-16.9pp | 2041.45%-2047.7pp |
| Employer contribution / active EE | $496 | $2,021-75.5% | $3,587-86.2% | $2,203-77.5% |
| Participant deferral / active EE | $1,589 | $3,143-49.4% | $4,320-63.2% | $3,192-50.2% |
| Admin fee / account holder | $2,482 | $4,265-41.8% | $6,269-60.4% | $4,297-42.2% |