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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 | $47,758 | $102,638-53.5% | $81,982-41.7% | $158,982-70.0% |
| Participation rate | 60.0% | 75.5%-15.5pp | 69.3%-9.3pp | 82.0%-22.0pp |
| Annual return | 5.13% | 61.05%-55.9pp | 41.31%-36.2pp | 302.99%-297.9pp |
| Employer contribution / active EE | $3,639 | $3,241+12.3% | $2,498+45.7% | $4,763-23.6% |
| Participant deferral / active EE | $7,638 | $4,649+64.3% | $3,722+105.2% | $5,983+27.6% |
| Admin fee / account holder | $3,840 | $8,237-53.4% | $5,665-32.2% | $11,252-65.9% |