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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 | $62,448 | $58,828+6.2% | $78,002-19.9% | $62,881-0.7% |
| Participation rate | 32.0% | 71.1%-39.1pp | 75.5%-43.5pp | 69.3%-37.3pp |
| Annual return | 4.69% | 17.16%-12.5pp | 425.99%-421.3pp | 20.14%-15.5pp |
| Employer contribution / active EE | $1,229 | $1,672-26.5% | $2,470-50.2% | $2,281-46.1% |
| Participant deferral / active EE | $3,156 | $2,686+17.5% | $3,497-9.7% | $3,203-1.5% |
| Admin fee / account holder | $9,253 | $4,393+110.6% | $5,481+68.8% | $4,296+115.4% |