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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 | $82,082 | $114,119-28.1% | $107,187-23.4% | $138,895-40.9% |
| Participation rate | 45.5% | 78.1%-32.6pp | 75.0%-29.6pp | 79.9%-34.5pp |
| Annual return | 8.95% | 273.21%-264.3pp | 204.55%-195.6pp | 145.39%-136.4pp |
| Employer contribution / active EE | $1,415 | $4,059-65.1% | $3,782-62.6% | $4,194-66.3% |
| Participant deferral / active EE | $3,285 | $5,538-40.7% | $5,096-35.5% | $6,396-48.6% |
| Admin fee / account holder | $4,738 | $10,024-52.7% | $9,162-48.3% | $12,562-62.3% |