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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 | $60,271 | $91,559-34.2% | $133,971-55.0% | $79,852-24.5% |
| Participation rate | 58.8% | 73.3%-14.5pp | 79.8%-21.0pp | 69.6%-10.8pp |
| Annual return | 4.32% | 61.85%-57.5pp | 45.09%-40.8pp | 31.72%-27.4pp |
| Employer contribution / active EE | $1,411 | $2,384-40.8% | $3,919-64.0% | $2,471-42.9% |
| Participant deferral / active EE | $2,148 | $3,734-42.5% | $5,047-57.4% | $3,740-42.6% |
| Admin fee / account holder | $20,048 | $6,321+217.2% | $8,929+124.5% | $5,306+277.8% |