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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 | $82,909 | $106,247-22.0% | $96,515-14.1% | $139,466-40.6% |
| Participation rate | 44.4% | 77.8%-33.4pp | 74.3%-29.9pp | 80.3%-35.9pp |
| Annual return | 10.63% | 38.47%-27.8pp | 35.73%-25.1pp | 373.66%-363.0pp |
| Employer contribution / active EE | $1,087 | $4,106-73.5% | $3,740-70.9% | $4,754-77.1% |
| Participant deferral / active EE | $1,728 | $5,456-68.3% | $4,880-64.6% | $6,712-74.3% |
| Admin fee / account holder | $8,772 | $7,885+11.2% | $6,735+30.2% | $11,409-23.1% |