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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 | $77,477 | $48,314+60.4% | $67,561+14.7% | $80,925-4.3% |
| Participation rate | 48.1% | 66.4%-18.3pp | 72.9%-24.8pp | 67.7%-19.6pp |
| Annual return | 5.66% | 18.28%-12.6pp | 3525.44%-3519.8pp | 35.65%-30.0pp |
| Employer contribution / active EE | $1,120 | $2,022-44.6% | $2,735-59.1% | $2,756-59.4% |
| Participant deferral / active EE | $2,680 | $2,927-8.4% | $4,003-33.0% | $4,299-37.6% |
| Admin fee / account holder | $1,161 | $3,690-68.5% | $4,006-71.0% | $6,940-83.3% |