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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 | $80,162 | $49,896+60.7% | $80,627-0.6% | $75,173+6.6% |
| Participation rate | 41.3% | 55.3%-14.1pp | 67.0%-25.7pp | 67.2%-25.9pp |
| Annual return | 12.43% | 34.67%-22.2pp | 936.76%-924.3pp | 160.72%-148.3pp |
| Employer contribution / active EE | $732 | $1,699-56.9% | $2,723-73.1% | $2,671-72.6% |
| Participant deferral / active EE | $1,958 | $2,992-34.5% | $4,443-55.9% | $4,126-52.5% |
| Admin fee / account holder | $3,484 | $3,578-2.6% | $5,381-35.3% | $5,651-38.3% |