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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 | $80,686 | $105,284-23.4% | $150,734-46.5% | $94,015-14.2% |
| Participation rate | 59.1% | 71.7%-12.6pp | 78.4%-19.4pp | 70.8%-11.7pp |
| Annual return | 8.79% | 15.67%-6.9pp | 600.81%-592.0pp | 17.84%-9.1pp |
| Employer contribution / active EE | $1,054 | $3,599-70.7% | $4,918-78.6% | $2,790-62.2% |
| Participant deferral / active EE | $3,317 | $4,274-22.4% | $5,610-40.9% | $4,249-21.9% |
| Admin fee / account holder | $456 | $9,839-95.4% | $14,905-96.9% | $8,951-94.9% |