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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 | $83,428 | $50,554+65.0% | $67,681+23.3% | $87,485-4.6% |
| Participation rate | 45.1% | 67.7%-22.6pp | 73.7%-28.6pp | 68.9%-23.8pp |
| Annual return | 7.68% | 17.81%-10.1pp | 590.58%-582.9pp | 26.06%-18.4pp |
| Employer contribution / active EE | $7,774 | $1,988+291.0% | $2,678+190.3% | $2,596+199.4% |
| Participant deferral / active EE | $981 | $2,961-66.9% | $3,976-75.3% | $4,274-77.0% |
| Admin fee / account holder | $1,173 | $4,132-71.6% | $6,100-80.8% | $7,775-84.9% |