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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 | $45,152 | $56,063-19.5% | $76,051-40.6% | $80,911-44.2% |
| Participation rate | 31.6% | 62.0%-30.5pp | 69.1%-37.5pp | 67.6%-36.1pp |
| Annual return | 7.01% | 20.54%-13.5pp | 360.42%-353.4pp | 35.63%-28.6pp |
| Employer contribution / active EE | $3,110 | $1,874+66.0% | $2,690+15.6% | $2,756+12.9% |
| Participant deferral / active EE | $2,685 | $3,052-12.0% | $4,257-36.9% | $4,297-37.5% |
| Admin fee / account holder | $25,542 | $5,240+387.5% | $6,416+298.1% | $6,935+268.3% |