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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 | $59,317 | $51,631+14.9% | $129,397-54.2% | $80,925-26.7% |
| Participation rate | 43.9% | 56.9%-13.0pp | 69.6%-25.7pp | 67.7%-23.8pp |
| Annual return | 9.90% | 20.77%-10.9pp | 9453.98%-9444.1pp | 35.65%-25.8pp |
| Employer contribution / active EE | $681 | $1,583-57.0% | $4,154-83.6% | $2,756-75.3% |
| Participant deferral / active EE | $919 | $2,670-65.6% | $4,167-77.9% | $4,299-78.6% |
| Admin fee / account holder | $3,390 | $4,309-21.3% | $7,679-55.9% | $6,940-51.2% |