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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 | $174,235 | $56,431+208.8% | $130,788+33.2% | $87,485+99.2% |
| Participation rate | 46.3% | 58.9%-12.6pp | 70.1%-23.8pp | 68.9%-22.6pp |
| Annual return | 11.42% | 91.27%-79.8pp | 386.44%-375.0pp | 26.06%-14.6pp |
| Employer contribution / active EE | $1,314 | $1,549-15.2% | $3,558-63.1% | $2,596-49.4% |
| Participant deferral / active EE | $3,328 | $2,749+21.1% | $4,137-19.6% | $4,274-22.1% |
| Admin fee / account holder | $49,891 | $4,433+1025.5% | $6,673+647.7% | $7,775+541.7% |