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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 | $60,050 | $98,766-39.2% | $149,730-59.9% | $79,852-24.8% |
| Participation rate | 45.9% | 75.8%-29.8pp | 82.5%-36.5pp | 69.6%-23.7pp |
| Annual return | 7.19% | 27.43%-20.2pp | 276.70%-269.5pp | 31.72%-24.5pp |
| Employer contribution / active EE | $1,667 | $3,217-48.2% | $4,645-64.1% | $2,471-32.6% |
| Participant deferral / active EE | $2,421 | $5,681-57.4% | $6,843-64.6% | $3,740-35.3% |
| Admin fee / account holder | $6,286 | $6,052+3.9% | $9,310-32.5% | $5,306+18.5% |