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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 | $53,278 | $48,011+11.0% | $63,803-16.5% | $82,637-35.5% |
| Participation rate | 50.6% | 66.6%-16.0pp | 72.7%-22.1pp | 68.1%-17.5pp |
| Annual return | 8.86% | 19.84%-11.0pp | 543.72%-534.9pp | 53.51%-44.6pp |
| Employer contribution / active EE | $635 | $1,904-66.7% | $2,532-74.9% | $2,552-75.1% |
| Participant deferral / active EE | $1,373 | $2,846-51.8% | $3,843-64.3% | $4,126-66.7% |
| Admin fee / account holder | $7,300 | $3,873+88.5% | $5,196+40.5% | $7,339-0.5% |