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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 | $41,481 | $63,433-34.6% | $63,803-35.0% | $64,097-35.3% |
| Participation rate | 55.4% | 65.0%-9.6pp | 72.7%-17.3pp | 55.2%+0.2pp |
| Annual return | 9.97% | 20.74%-10.8pp | 543.72%-533.8pp | 34.64%-24.7pp |
| Employer contribution / active EE | $4,625 | $2,332+98.3% | $2,532+82.6% | $1,891+144.5% |
| Participant deferral / active EE | $1,563 | $3,119-49.9% | $3,843-59.3% | $3,080-49.3% |
| Admin fee / account holder | $5,312 | $1,489+256.6% | $5,196+2.2% | $3,454+53.8% |