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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 | $76,604 | $55,122+39.0% | $104,639-26.8% | $73,497+4.2% |
| Participation rate | 32.0% | 67.7%-35.7pp | 74.1%-42.0pp | 70.7%-38.6pp |
| Annual return | 10.96% | 24.77%-13.8pp | 340.67%-329.7pp | 28.51%-17.6pp |
| Employer contribution / active EE | $809 | $1,464-44.8% | $2,682-69.8% | $2,270-64.4% |
| Participant deferral / active EE | $1,872 | $2,919-35.9% | $3,738-49.9% | $3,740-49.9% |
| Admin fee / account holder | $3,372 | $423+697.6% | $6,465-47.8% | $513+557.3% |