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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 | $63,785 | $78,690-18.9% | $161,489-60.5% | $87,485-27.1% |
| Participation rate | 46.9% | 67.5%-20.5pp | 78.7%-31.8pp | 68.9%-22.0pp |
| Annual return | 10.34% | 32.74%-22.4pp | 89.72%-79.4pp | 26.06%-15.7pp |
| Employer contribution / active EE | $1,407 | $2,588-45.6% | $4,268-67.0% | $2,596-45.8% |
| Participant deferral / active EE | $1,767 | $3,311-46.6% | $5,630-68.6% | $4,274-58.6% |
| Admin fee / account holder | $14,754 | $6,724+119.4% | $16,006-7.8% | $7,775+89.8% |