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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 | $86,952 | $78,690+10.5% | $161,489-46.2% | $87,485-0.6% |
| Participation rate | 51.7% | 67.5%-15.7pp | 78.7%-27.0pp | 68.9%-17.2pp |
| Annual return | 9.83% | 32.74%-22.9pp | 89.72%-79.9pp | 26.06%-16.2pp |
| Employer contribution / active EE | $1,091 | $2,588-57.8% | $4,268-74.4% | $2,596-58.0% |
| Participant deferral / active EE | $2,380 | $3,311-28.1% | $5,630-57.7% | $4,274-44.3% |
| Admin fee / account holder | $59,405 | $6,724+783.5% | $16,006+271.2% | $7,775+664.1% |