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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 | $46,787 | $154,193-69.7% | $130,045-64.0% | $139,466-66.5% |
| Participation rate | 50.0% | 82.0%-32.0pp | 78.5%-28.5pp | 80.3%-30.3pp |
| Annual return | 8.76% | 32.51%-23.8pp | -137.30%+146.1pp | 373.66%-364.9pp |
| Employer contribution / active EE | $1,488 | $5,292-71.9% | $4,321-65.6% | $4,754-68.7% |
| Participant deferral / active EE | $3,719 | $6,709-44.6% | $5,820-36.1% | $6,712-44.6% |
| Admin fee / account holder | $19,820 | $13,989+41.7% | $10,600+87.0% | $11,409+73.7% |