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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 | $45,809 | $111,535-58.9% | $105,223-56.5% | $137,256-66.6% |
| Participation rate | 53.3% | 78.1%-24.8pp | 75.0%-21.7pp | 80.0%-26.6pp |
| Annual return | 11.34% | 237.85%-226.5pp | 180.65%-169.3pp | 220.34%-209.0pp |
| Employer contribution / active EE | $2,645 | $3,939-32.9% | $3,689-28.3% | $4,156-36.4% |
| Participant deferral / active EE | $4,748 | $5,500-13.7% | $5,072-6.4% | $6,407-25.9% |
| Admin fee / account holder | $18,383 | $9,721+89.1% | $8,859+107.5% | $12,270+49.8% |