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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 | $61,392 | $176,786-65.3% | $146,643-58.1% | $167,536-63.4% |
| Participation rate | 60.0% | 83.6%-23.6pp | 80.1%-20.1pp | 82.1%-22.1pp |
| Annual return | 8.13% | 24.04%-15.9pp | 22.75%-14.6pp | 478.82%-470.7pp |
| Employer contribution / active EE | $16,885 | $5,161+227.2% | $4,137+308.2% | $4,839+248.9% |
| Participant deferral / active EE | $8,327 | $6,440+29.3% | $5,506+51.2% | $6,342+31.3% |
| Admin fee / account holder | $1,254 | $13,262-90.5% | $10,280-87.8% | $12,315-89.8% |