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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 | $45,485 | $95,383-52.3% | $185,837-75.5% | $85,856-47.0% |
| Participation rate | 55.6% | 68.8%-13.2pp | 81.7%-26.2pp | 69.3%-13.8pp |
| Annual return | 10.74% | 23.59%-12.8pp | 122.08%-111.3pp | 318.58%-307.8pp |
| Employer contribution / active EE | $1,017 | $3,313-69.3% | $5,168-80.3% | $2,565-60.4% |
| Participant deferral / active EE | $3,022 | $3,423-11.7% | $5,568-45.7% | $3,952-23.5% |
| Admin fee / account holder | $4,455 | $7,213-38.2% | $16,241-72.6% | $6,261-28.8% |