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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 | $80,020 | $98,776-19.0% | $149,745-46.6% | $79,856+0.2% |
| Participation rate | 47.8% | 75.8%-28.0pp | 82.5%-34.7pp | 69.6%-21.8pp |
| Annual return | 5.77% | 27.38%-21.6pp | 276.72%-271.0pp | 31.71%-25.9pp |
| Employer contribution / active EE | $1,942 | $3,217-39.6% | $4,646-58.2% | $2,471-21.4% |
| Participant deferral / active EE | $4,924 | $5,681-13.3% | $6,843-28.1% | $3,741+31.6% |
| Admin fee / account holder | $3,685 | $6,053-39.1% | $9,312-60.4% | $5,306-30.6% |