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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 | $58,408 | $79,089-26.1% | $100,392-41.8% | $74,459-21.6% |
| Participation rate | 49.6% | 79.4%-29.8pp | 81.5%-31.9pp | 67.2%-17.6pp |
| Annual return | 12.58% | 20.61%-8.0pp | 49.45%-36.9pp | 1369.70%-1357.1pp |
| Employer contribution / active EE | $2,920 | $3,015-3.2% | $3,941-25.9% | $2,626+11.2% |
| Participant deferral / active EE | $3,966 | $7,747-48.8% | $8,090-51.0% | $4,350-8.8% |
| Admin fee / account holder | $5,697 | $1,336+326.4% | $7,904-27.9% | $1,945+193.0% |