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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 | $79,896 | $49,976+59.9% | $66,674+19.8% | $82,637-3.3% |
| Participation rate | 58.0% | 63.1%-5.1pp | 73.7%-15.7pp | 68.1%-10.1pp |
| Annual return | 11.89% | 39.09%-27.2pp | 321.24%-309.3pp | 53.51%-41.6pp |
| Employer contribution / active EE | $1,373 | $1,988-30.9% | $2,620-47.6% | $2,552-46.2% |
| Participant deferral / active EE | $3,508 | $2,847+23.2% | $4,084-14.1% | $4,126-15.0% |
| Admin fee / account holder | $2,984 | $4,594-35.0% | $5,098-41.5% | $7,339-59.3% |