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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 | $53,804 | $77,638-30.7% | $156,551-65.6% | $62,881-14.4% |
| Participation rate | 57.6% | 71.2%-13.6pp | 84.0%-26.4pp | 69.3%-11.7pp |
| Annual return | 1.12% | 50.33%-49.2pp | 32.23%-31.1pp | 20.14%-19.0pp |
| Employer contribution / active EE | $1,413 | $3,444-59.0% | $5,501-74.3% | $2,281-38.0% |
| Participant deferral / active EE | $1,908 | $3,046-37.4% | $4,871-60.8% | $3,203-40.4% |
| Admin fee / account holder | $1,173 | $5,561-78.9% | $13,028-91.0% | $4,296-72.7% |