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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 | $83,766 | $87,733-4.5% | $106,555-21.4% | $85,847-2.4% |
| Participation rate | 50.0% | 71.9%-21.9pp | 76.1%-26.1pp | 69.3%-19.3pp |
| Annual return | 8.94% | 21.86%-12.9pp | 26.80%-17.9pp | 318.61%-309.7pp |
| Employer contribution / active EE | $1,385 | $2,073-33.2% | $2,819-50.9% | $2,565-46.0% |
| Participant deferral / active EE | $2,419 | $3,469-30.3% | $4,399-45.0% | $3,952-38.8% |
| Admin fee / account holder | $1,780 | $6,767-73.7% | $7,408-76.0% | $6,261-71.6% |