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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 | $71,637 | $78,690-9.0% | $161,489-55.6% | $87,485-18.1% |
| Participation rate | 50.0% | 67.5%-17.5pp | 78.7%-28.7pp | 68.9%-18.9pp |
| Annual return | 12.35% | 32.74%-20.4pp | 89.72%-77.4pp | 26.06%-13.7pp |
| Employer contribution / active EE | $1,302 | $2,588-49.7% | $4,268-69.5% | $2,596-49.9% |
| Participant deferral / active EE | $2,876 | $3,311-13.1% | $5,630-48.9% | $4,274-32.7% |
| Admin fee / account holder | $1,827 | $6,724-72.8% | $16,006-88.6% | $7,775-76.5% |