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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 | $66,259 | $71,208-7.0% | $93,681-29.3% | $80,911-18.1% |
| Participation rate | 46.2% | 60.4%-14.2pp | 68.7%-22.6pp | 67.6%-21.5pp |
| Annual return | 8.31% | 11.27%-3.0pp | 133.47%-125.2pp | 35.63%-27.3pp |
| Employer contribution / active EE | $519 | $1,564-66.8% | $2,422-78.6% | $2,756-81.2% |
| Participant deferral / active EE | $3,647 | $4,035-9.6% | $4,415-17.4% | $4,297-15.1% |
| Admin fee / account holder | $11,367 | $6,951+63.5% | $8,290+37.1% | $6,935+63.9% |