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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 | $69,421 | $91,198-23.9% | $178,503-61.1% | $79,856-13.1% |
| Participation rate | 48.6% | 69.2%-20.6pp | 81.9%-33.3pp | 69.6%-21.0pp |
| Annual return | 5.54% | 24.20%-18.7pp | 151.12%-145.6pp | 31.71%-26.2pp |
| Employer contribution / active EE | $892 | $3,257-72.6% | $5,011-82.2% | $2,471-63.9% |
| Participant deferral / active EE | $1,308 | $3,237-59.6% | $5,202-74.9% | $3,741-65.0% |
| Admin fee / account holder | $10,106 | $6,748+49.8% | $13,987-27.8% | $5,306+90.4% |