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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 | $75,082 | $65,364+14.9% | $92,909-19.2% | $72,975+2.9% |
| Participation rate | 50.0% | 68.3%-18.3pp | 76.0%-26.0pp | 69.5%-19.5pp |
| Annual return | 3.21% | 42.11%-38.9pp | 109.44%-106.2pp | 81.01%-77.8pp |
| Employer contribution / active EE | $1,182 | $2,594-54.4% | $3,653-67.6% | $2,440-51.6% |
| Participant deferral / active EE | $3,047 | $3,128-2.6% | $4,238-28.1% | $3,608-15.5% |
| Admin fee / account holder | $22,617 | $4,251+432.0% | $5,795+290.3% | $5,124+341.4% |