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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 | $52,389 | $102,382-48.8% | $147,005-64.4% | $80,874-35.2% |
| Participation rate | 59.3% | 75.8%-16.6pp | 82.2%-22.9pp | 67.6%-8.4pp |
| Annual return | 9.51% | 134.89%-125.4pp | 418.76%-409.3pp | 35.62%-26.1pp |
| Employer contribution / active EE | $1,815 | $3,715-51.1% | $4,934-63.2% | $2,756-34.1% |
| Participant deferral / active EE | $3,099 | $6,646-53.4% | $8,070-61.6% | $4,297-27.9% |
| Admin fee / account holder | $7,128 | $7,942-10.3% | $13,006-45.2% | $6,935+2.8% |