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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 | $68,425 | $54,717+25.1% | $86,216-20.6% | $71,511-4.3% |
| Participation rate | 44.5% | 60.1%-15.6pp | 69.0%-24.4pp | 67.9%-23.4pp |
| Annual return | 13.69% | 20.07%-6.4pp | 1169.42%-1155.7pp | 28.86%-15.2pp |
| Employer contribution / active EE | $786 | $1,267-38.0% | $2,382-67.0% | $2,589-69.7% |
| Participant deferral / active EE | $1,637 | $3,110-47.4% | $3,986-58.9% | $4,291-61.9% |
| Admin fee / account holder | $1,699 | $1,922-11.6% | $6,853-75.2% | $1,588+7.0% |