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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 | $64,678 | $49,976+29.4% | $66,674-3.0% | $82,637-21.7% |
| Participation rate | 48.6% | 63.1%-14.5pp | 73.7%-25.1pp | 68.1%-19.5pp |
| Annual return | 11.83% | 39.09%-27.3pp | 321.24%-309.4pp | 53.51%-41.7pp |
| Employer contribution / active EE | $1,171 | $1,988-41.1% | $2,620-55.3% | $2,552-54.1% |
| Participant deferral / active EE | $2,228 | $2,847-21.7% | $4,084-45.4% | $4,126-46.0% |
| Admin fee / account holder | $7,900 | $4,594+72.0% | $5,098+55.0% | $7,339+7.6% |