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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 | $63,156 | $124,351-49.2% | $109,188-42.2% | $167,553-62.3% |
| Participation rate | 41.7% | 79.4%-37.8pp | 75.9%-34.2pp | 82.1%-40.4pp |
| Annual return | 8.61% | 26.04%-17.4pp | 25.76%-17.1pp | 478.89%-470.3pp |
| Employer contribution / active EE | $1,297 | $4,210-69.2% | $3,723-65.2% | $4,840-73.2% |
| Participant deferral / active EE | $4,767 | $5,257-9.3% | $4,654+2.4% | $6,343-24.8% |
| Admin fee / account holder | $25,724 | $7,975+222.6% | $6,755+280.8% | $12,316+108.9% |