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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 | $56,803 | $65,041-12.7% | $90,965-37.6% | $79,858-28.9% |
| Participation rate | 59.2% | 61.6%-2.5pp | 69.0%-9.9pp | 69.6%-10.5pp |
| Annual return | 1.68% | 30.45%-28.8pp | 134.57%-132.9pp | 31.72%-30.0pp |
| Employer contribution / active EE | $1,704 | $1,247+36.6% | $2,122-19.7% | $2,471-31.1% |
| Participant deferral / active EE | $3,293 | $2,512+31.1% | $3,373-2.4% | $3,740-12.0% |
| Admin fee / account holder | $24,543 | $4,536+441.1% | $5,960+311.8% | $5,306+362.6% |