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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 | $74,337 | $56,110+32.5% | $94,993-21.7% | $70,126+6.0% |
| Participation rate | 53.7% | 65.0%-11.3pp | 73.9%-20.2pp | 69.5%-15.8pp |
| Annual return | 9.83% | 51.02%-41.2pp | 27.14%-17.3pp | 73.15%-63.3pp |
| Employer contribution / active EE | $359 | $1,442-75.1% | $2,603-86.2% | $2,343-84.7% |
| Participant deferral / active EE | $3,289 | $2,391+37.6% | $3,317-0.8% | $3,332-1.3% |
| Admin fee / account holder | $20,557 | $3,456+494.8% | $4,960+314.4% | $4,645+342.5% |