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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 | $45,250 | $88,672-49.0% | $105,223-57.0% | $82,448-45.1% |
| Participation rate | 50.0% | 67.9%-17.9pp | 75.0%-25.0pp | 68.1%-18.1pp |
| Annual return | 10.44% | 30.86%-20.4pp | 180.65%-170.2pp | 41.64%-31.2pp |
| Employer contribution / active EE | $2,129 | $3,048-30.2% | $3,689-42.3% | $2,551-16.5% |
| Participant deferral / active EE | $4,046 | $4,036+0.2% | $5,072-20.2% | $4,139-2.3% |
| Admin fee / account holder | $15,903 | $7,146+122.5% | $8,859+79.5% | $7,234+119.8% |