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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 | $78,351 | $102,422-23.5% | $147,117-46.7% | $80,959-3.2% |
| Participation rate | 47.3% | 75.9%-28.6pp | 82.2%-34.9pp | 67.7%-20.4pp |
| Annual return | 10.35% | 135.16%-124.8pp | 420.54%-410.2pp | 35.67%-25.3pp |
| Employer contribution / active EE | $1,868 | $3,717-49.8% | $4,932-62.1% | $2,757-32.3% |
| Participant deferral / active EE | $3,159 | $6,652-52.5% | $8,065-60.8% | $4,300-26.5% |
| Admin fee / account holder | $1,111 | $7,953-86.0% | $12,993-91.4% | $6,925-84.0% |