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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 | $70,899 | $78,690-9.9% | $161,489-56.1% | $87,485-19.0% |
| Participation rate | 44.4% | 67.5%-23.0pp | 78.7%-34.3pp | 68.9%-24.5pp |
| Annual return | 12.26% | 32.74%-20.5pp | 89.72%-77.5pp | 26.06%-13.8pp |
| Employer contribution / active EE | $1,112 | $2,588-57.0% | $4,268-73.9% | $2,596-57.2% |
| Participant deferral / active EE | $2,187 | $3,311-33.9% | $5,630-61.2% | $4,274-48.8% |
| Admin fee / account holder | $13,875 | $6,724+106.4% | $16,006-13.3% | $7,775+78.5% |