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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 | $52,718 | $67,411-21.8% | $91,004-42.1% | $70,124-24.8% |
| Participation rate | 60.9% | 71.4%-10.5pp | 75.6%-14.7pp | 69.5%-8.7pp |
| Annual return | 10.59% | -40.16%+50.7pp | 4.60%+6.0pp | 73.14%-62.6pp |
| Employer contribution / active EE | $1,172 | $1,786-34.4% | $2,456-52.3% | $2,342-50.0% |
| Participant deferral / active EE | $2,286 | $2,823-19.0% | $3,548-35.6% | $3,332-31.4% |
| Admin fee / account holder | $8,310 | $4,236+96.2% | $5,417+53.4% | $4,645+78.9% |