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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 | $73,067 | $48,053+52.1% | $84,628-13.7% | $72,975+0.1% |
| Participation rate | 19.2% | 57.6%-38.3pp | 68.2%-49.0pp | 69.5%-50.3pp |
| Annual return | 3.99% | 37.39%-33.4pp | 258.80%-254.8pp | 81.01%-77.0pp |
| Employer contribution / active EE | $2,023 | $1,602+26.3% | $2,653-23.7% | $2,440-17.1% |
| Participant deferral / active EE | $2,168 | $2,681-19.1% | $3,900-44.4% | $3,608-39.9% |
| Admin fee / account holder | $1,876 | $3,395-44.8% | $4,914-61.8% | $5,124-63.4% |