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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 | $76,689 | $61,125+25.5% | $94,057-18.5% | $87,485-12.3% |
| Participation rate | 49.4% | 64.1%-14.7pp | 73.3%-24.0pp | 68.9%-19.6pp |
| Annual return | 11.22% | 35.20%-24.0pp | 480.62%-469.4pp | 26.06%-14.8pp |
| Employer contribution / active EE | $699 | $2,136-67.3% | $2,933-76.2% | $2,596-73.1% |
| Participant deferral / active EE | $1,616 | $3,260-50.4% | $4,709-65.7% | $4,274-62.2% |
| Admin fee / account holder | $20,479 | $5,629+263.8% | $7,244+182.7% | $7,775+163.4% |