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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 | $119,362 | $74,661+59.9% | $160,784-25.8% | $67,986+75.6% |
| Participation rate | 41.4% | 57.1%-15.7pp | 77.0%-35.5pp | 57.2%-15.8pp |
| Annual return | 11.93% | 28.83%-16.9pp | 1803.92%-1792.0pp | 31.67%-19.7pp |
| Employer contribution / active EE | $1,449 | $1,829-20.8% | $3,733-61.2% | $2,019-28.2% |
| Participant deferral / active EE | $2,584 | $3,681-29.8% | $6,293-58.9% | $3,358-23.1% |
| Admin fee / account holder | $25,432 | $3,959+542.4% | $9,717+161.7% | $3,203+694.0% |