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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 | $48,616 | $102,393-52.5% | $147,041-66.9% | $80,911-39.9% |
| Participation rate | 45.2% | 75.9%-30.7pp | 82.2%-37.0pp | 67.6%-22.5pp |
| Annual return | 10.74% | 134.95%-124.2pp | 419.21%-408.5pp | 35.63%-24.9pp |
| Employer contribution / active EE | $2,731 | $3,715-26.5% | $4,935-44.7% | $2,756-0.9% |
| Participant deferral / active EE | $4,691 | $6,647-29.4% | $8,071-41.9% | $4,297+9.2% |
| Admin fee / account holder | $8,859 | $7,943+11.5% | $13,006-31.9% | $6,935+27.7% |