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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 | $74,519 | $63,861+16.7% | $104,614-28.8% | $79,858-6.7% |
| Participation rate | 45.7% | 64.9%-19.2pp | 74.1%-28.4pp | 69.6%-23.9pp |
| Annual return | 3.22% | 21.30%-18.1pp | 340.56%-337.3pp | 31.72%-28.5pp |
| Employer contribution / active EE | $1,022 | $1,588-35.6% | $2,681-61.9% | $2,471-58.6% |
| Participant deferral / active EE | $2,898 | $2,693+7.6% | $3,739-22.5% | $3,740-22.5% |
| Admin fee / account holder | $482 | $4,185-88.5% | $6,464-92.5% | $5,306-90.9% |