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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 | $77,346 | $60,442+28.0% | $96,754-20.1% | $87,485-11.6% |
| Participation rate | 48.7% | 58.7%-10.0pp | 70.3%-21.6pp | 68.9%-20.2pp |
| Annual return | 12.43% | 21.97%-9.5pp | 82.04%-69.6pp | 26.06%-13.6pp |
| Employer contribution / active EE | $344 | $1,691-79.7% | $2,679-87.2% | $2,596-86.8% |
| Participant deferral / active EE | $3,823 | $3,280+16.6% | $4,758-19.7% | $4,274-10.5% |
| Admin fee / account holder | $4,558 | $5,069-10.1% | $8,905-48.8% | $7,775-41.4% |