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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 | $56,470 | $63,354-10.9% | $94,105-40.0% | $82,637-31.7% |
| Participation rate | 41.8% | 63.8%-22.0pp | 71.9%-30.2pp | 68.1%-26.3pp |
| Annual return | 11.78% | 34.36%-22.6pp | 204.55%-192.8pp | 53.51%-41.7pp |
| Employer contribution / active EE | $691 | $1,760-60.7% | $2,504-72.4% | $2,552-72.9% |
| Participant deferral / active EE | $3,199 | $2,873+11.3% | $3,881-17.6% | $4,126-22.5% |
| Admin fee / account holder | $16,440 | $5,073+224.1% | $6,199+165.2% | $7,339+124.0% |