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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 | $68,329 | $99,994-31.7% | $146,643-53.4% | $85,847-20.4% |
| Participation rate | 58.1% | 73.1%-15.0pp | 80.1%-22.0pp | 69.3%-11.3pp |
| Annual return | 5.98% | 18.93%-13.0pp | 22.75%-16.8pp | 318.61%-312.6pp |
| Employer contribution / active EE | $1,173 | $2,559-54.2% | $4,137-71.7% | $2,565-54.3% |
| Participant deferral / active EE | $2,795 | $4,006-30.2% | $5,506-49.2% | $3,952-29.3% |
| Admin fee / account holder | $14,938 | $7,703+93.9% | $10,280+45.3% | $6,261+138.6% |