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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 | $123,541 | $84,953+45.4% | $163,379-24.4% | $82,637+49.5% |
| Participation rate | 51.9% | 65.9%-14.1pp | 76.8%-25.0pp | 68.1%-16.2pp |
| Annual return | 13.04% | 23.07%-10.0pp | 63.41%-50.4pp | 53.51%-40.5pp |
| Employer contribution / active EE | $1,048 | $2,183-52.0% | $3,752-72.1% | $2,552-58.9% |
| Participant deferral / active EE | $2,062 | $4,326-52.3% | $6,282-67.2% | $4,126-50.0% |
| Admin fee / account holder | $55,422 | $7,921+599.7% | $9,818+464.5% | $7,339+655.2% |