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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 | $80,822 | $49,976+61.7% | $66,674+21.2% | $82,637-2.2% |
| Participation rate | 41.7% | 63.1%-21.4pp | 73.7%-32.0pp | 68.1%-26.4pp |
| Annual return | 12.93% | 39.09%-26.2pp | 321.24%-308.3pp | 53.51%-40.6pp |
| Employer contribution / active EE | $1,034 | $1,988-48.0% | $2,620-60.5% | $2,552-59.5% |
| Participant deferral / active EE | $3,784 | $2,847+32.9% | $4,084-7.3% | $4,126-8.3% |
| Admin fee / account holder | $2,127 | $4,594-53.7% | $5,098-58.3% | $7,339-71.0% |