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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 | $61,232 | $52,279+17.1% | $89,400-31.5% | $79,858-23.3% |
| Participation rate | 47.1% | 57.5%-10.5pp | 68.0%-20.9pp | 69.6%-22.6pp |
| Annual return | 11.15% | 22.16%-11.0pp | 245.64%-234.5pp | 31.72%-20.6pp |
| Employer contribution / active EE | $766 | $1,572-51.3% | $2,586-70.4% | $2,471-69.0% |
| Participant deferral / active EE | $4,185 | $2,740+52.7% | $3,890+7.6% | $3,740+11.9% |
| Admin fee / account holder | $11,208 | $3,356+233.9% | $4,882+129.6% | $5,306+111.2% |