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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 | $87,057 | $70,666+23.2% | $169,385-48.6% | $75,181+15.8% |
| Participation rate | 51.2% | 64.8%-13.6pp | 77.2%-26.0pp | 67.2%-16.0pp |
| Annual return | 12.99% | 36.37%-23.4pp | 405.82%-392.8pp | 160.69%-147.7pp |
| Employer contribution / active EE | $510 | $2,210-76.9% | $4,012-87.3% | $2,671-80.9% |
| Participant deferral / active EE | $2,089 | $4,308-51.5% | $6,221-66.4% | $4,126-49.4% |
| Admin fee / account holder | $2,569 | $5,402-52.4% | $9,011-71.5% | $5,650-54.5% |