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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 | $69,248 | $98,766-29.9% | $149,730-53.8% | $79,852-13.3% |
| Participation rate | 53.4% | 75.8%-22.4pp | 82.5%-29.1pp | 69.6%-16.2pp |
| Annual return | 6.35% | 27.43%-21.1pp | 276.70%-270.4pp | 31.72%-25.4pp |
| Employer contribution / active EE | $2,019 | $3,217-37.3% | $4,645-56.5% | $2,471-18.3% |
| Participant deferral / active EE | $3,394 | $5,681-40.3% | $6,843-50.4% | $3,740-9.3% |
| Admin fee / account holder | $3,234 | $6,052-46.6% | $9,310-65.3% | $5,306-39.1% |