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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 | $195,628 | $98,766+98.1% | $149,730+30.7% | $79,852+145.0% |
| Participation rate | 48.6% | 75.8%-27.2pp | 82.5%-33.9pp | 69.6%-21.1pp |
| Annual return | 11.54% | 27.43%-15.9pp | 276.70%-265.2pp | 31.72%-20.2pp |
| Employer contribution / active EE | $1,025 | $3,217-68.1% | $4,645-77.9% | $2,471-58.5% |
| Participant deferral / active EE | $4,460 | $5,681-21.5% | $6,843-34.8% | $3,740+19.2% |
| Admin fee / account holder | $22,556 | $6,052+272.7% | $9,310+142.3% | $5,306+325.1% |