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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 | $47,770 | $98,240-51.4% | $82,312-42.0% | $147,586-67.6% |
| Participation rate | 61.5% | 79.7%-18.2pp | 76.9%-15.4pp | 82.8%-21.3pp |
| Annual return | 5.93% | 30.85%-24.9pp | 25.88%-20.0pp | 578.59%-572.7pp |
| Employer contribution / active EE | $2,561 | $3,192-19.8% | $2,428+5.5% | $4,876-47.5% |
| Participant deferral / active EE | $4,019 | $4,383-8.3% | $3,706+8.5% | $5,439-26.1% |
| Admin fee / account holder | $19,101 | $8,563+123.1% | $5,608+240.6% | $10,886+75.5% |