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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 | $85,227 | $52,903+61.1% | $73,309+16.3% | $59,632+42.9% |
| Participation rate | 36.4% | 68.2%-31.9pp | 74.9%-38.6pp | 68.7%-32.3pp |
| Annual return | -3.15% | 12.20%-15.3pp | 5.67%-8.8pp | 2041.32%-2044.5pp |
| Employer contribution / active EE | $516 | $1,909-73.0% | $3,237-84.1% | $2,203-76.6% |
| Participant deferral / active EE | $3,050 | $4,069-25.0% | $4,991-38.9% | $3,192-4.4% |
| Admin fee / account holder | $2,160 | $3,834-43.7% | $5,637-61.7% | $4,297-49.7% |