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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 | $42,790 | $105,200-59.3% | $159,474-73.2% | $85,847-50.2% |
| Participation rate | 61.1% | 75.8%-14.7pp | 82.8%-21.7pp | 69.3%-8.2pp |
| Annual return | 11.20% | 45.08%-33.9pp | 263.68%-252.5pp | 318.61%-307.4pp |
| Employer contribution / active EE | $1,226 | $3,319-63.1% | $4,831-74.6% | $2,565-52.2% |
| Participant deferral / active EE | $4,845 | $5,946-18.5% | $7,353-34.1% | $3,952+22.6% |
| Admin fee / account holder | $3,797 | $6,934-45.2% | $10,802-64.8% | $6,261-39.4% |