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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 | $53,460 | $52,380+2.1% | $98,755-45.9% | $85,856-37.7% |
| Participation rate | 37.0% | 58.0%-21.0pp | 65.7%-28.7pp | 69.3%-32.3pp |
| Annual return | 9.02% | 25.82%-16.8pp | 49.91%-40.9pp | 318.58%-309.6pp |
| Employer contribution / active EE | $680 | $1,337-49.1% | $2,067-67.1% | $2,565-73.5% |
| Participant deferral / active EE | $1,679 | $2,101-20.1% | $3,035-44.7% | $3,952-57.5% |
| Admin fee / account holder | $2,044 | $3,865-47.1% | $4,076-49.8% | $6,261-67.3% |