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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 | $74,531 | $69,977+6.5% | $108,582-31.4% | $62,881+18.5% |
| Participation rate | 50.0% | 72.9%-22.9pp | 79.6%-29.6pp | 69.3%-19.3pp |
| Annual return | 4.44% | 10.73%-6.3pp | -51.70%+56.1pp | 20.14%-15.7pp |
| Employer contribution / active EE | $734 | $2,135-65.6% | $3,758-80.5% | $2,281-67.8% |
| Participant deferral / active EE | $4,384 | $3,165+38.5% | $4,311+1.7% | $3,203+36.9% |
| Admin fee / account holder | $4,395 | $5,076-13.4% | $7,645-42.5% | $4,296+2.3% |