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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 | $55,013 | $35,183+56.4% | $73,550-25.2% | $70,126-21.6% |
| Participation rate | 64.0% | 42.9%+21.1pp | 54.9%+9.1pp | 69.5%-5.5pp |
| Annual return | 9.80% | 26.90%-17.1pp | -15.16%+25.0pp | 73.15%-63.3pp |
| Employer contribution / active EE | $1,343 | $709+89.5% | $1,219+10.1% | $2,343-42.7% |
| Participant deferral / active EE | $3,164 | $1,220+159.4% | $1,804+75.4% | $3,332-5.0% |
| Admin fee / account holder | $7,957 | $2,302+245.7% | $2,320+243.0% | $4,645+71.3% |