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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 | $42,669 | $102,429-58.3% | $147,096-71.0% | $80,925-47.3% |
| Participation rate | 33.3% | 75.9%-42.5pp | 82.2%-48.8pp | 67.7%-34.3pp |
| Annual return | 10.86% | 135.02%-124.2pp | 419.75%-408.9pp | 35.65%-24.8pp |
| Employer contribution / active EE | $1,263 | $3,716-66.0% | $4,936-74.4% | $2,756-54.2% |
| Participant deferral / active EE | $3,035 | $6,649-54.3% | $8,071-62.4% | $4,299-29.4% |
| Admin fee / account holder | $5,892 | $7,957-26.0% | $13,005-54.7% | $6,940-15.1% |