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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 | $70,016 | $77,638-9.8% | $156,551-55.3% | $62,881+11.3% |
| Participation rate | 59.6% | 71.2%-11.6pp | 84.0%-24.4pp | 69.3%-9.7pp |
| Annual return | 2.05% | 50.33%-48.3pp | 32.23%-30.2pp | 20.14%-18.1pp |
| Employer contribution / active EE | $1,465 | $3,444-57.5% | $5,501-73.4% | $2,281-35.8% |
| Participant deferral / active EE | $4,036 | $3,046+32.5% | $4,871-17.1% | $3,203+26.0% |
| Admin fee / account holder | $813 | $5,561-85.4% | $13,028-93.8% | $4,296-81.1% |