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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 | $31,352 | $117,846-73.4% | $102,434-69.4% | $145,884-78.5% |
| Participation rate | 50.0% | 78.6%-28.6pp | 76.5%-26.5pp | 80.3%-30.3pp |
| Annual return | 7.12% | 31.90%-24.8pp | 29.46%-22.3pp | 551.85%-544.7pp |
| Employer contribution / active EE | $2,586 | $3,615-28.5% | $3,023-14.5% | $4,662-44.5% |
| Participant deferral / active EE | $3,734 | $5,733-34.9% | $5,055-26.1% | $6,690-44.2% |
| Admin fee / account holder | $6,211 | $13,356-53.5% | $9,462-34.4% | $13,392-53.6% |