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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 | $93,345-51.5% | $119,126-62.0% | $87,485-48.3% |
| Participation rate | 50.0% | 68.7%-18.7pp | 75.8%-25.8pp | 68.9%-18.9pp |
| Annual return | 10.44% | 19.08%-8.6pp | 282.11%-271.7pp | 26.06%-15.6pp |
| Employer contribution / active EE | $2,129 | $3,172-32.9% | $4,034-47.2% | $2,596-18.0% |
| Participant deferral / active EE | $4,046 | $4,099-1.3% | $5,318-23.9% | $4,274-5.3% |
| Admin fee / account holder | $15,903 | $8,039+97.8% | $10,693+48.7% | $7,775+104.5% |