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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 | $45,326 | $102,385-55.7% | $147,080-69.2% | $80,935-44.0% |
| Participation rate | 61.1% | 75.9%-14.8pp | 82.2%-21.1pp | 67.7%-6.6pp |
| Annual return | 10.79% | 135.09%-124.3pp | 420.17%-409.4pp | 35.66%-24.9pp |
| Employer contribution / active EE | $3,039 | $3,717-18.2% | $4,933-38.4% | $2,757+10.2% |
| Participant deferral / active EE | $4,978 | $6,651-25.2% | $8,066-38.3% | $4,299+15.8% |
| Admin fee / account holder | $13,749 | $7,951+72.9% | $12,989+5.9% | $6,924+98.6% |