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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 | $62,975 | $78,705-20.0% | $117,857-46.6% | $70,131-10.2% |
| Participation rate | 59.5% | 73.2%-13.7pp | 79.7%-20.2pp | 69.5%-10.1pp |
| Annual return | 12.37% | 23.30%-10.9pp | 335.09%-322.7pp | 73.14%-60.8pp |
| Employer contribution / active EE | $1,043 | $2,223-53.1% | $3,786-72.4% | $2,342-55.5% |
| Participant deferral / active EE | $2,502 | $3,297-24.1% | $4,482-44.2% | $3,332-24.9% |
| Admin fee / account holder | $8,843 | $5,065+74.6% | $8,020+10.3% | $4,645+90.4% |