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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 | $55,961 | $45,050+24.2% | $63,018-11.2% | $70,126-20.2% |
| Participation rate | 40.0% | 69.5%-29.5pp | 74.8%-34.8pp | 69.5%-29.5pp |
| Annual return | 10.68% | 18.76%-8.1pp | 87.62%-76.9pp | 73.15%-62.5pp |
| Employer contribution / active EE | $563 | $2,052-72.5% | $2,761-79.6% | $2,343-75.9% |
| Participant deferral / active EE | $1,535 | $2,466-37.7% | $3,330-53.9% | $3,332-53.9% |
| Admin fee / account holder | $13,521 | $2,834+377.1% | $3,601+275.5% | $4,645+191.0% |