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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 | $106,760 | $48,011+122.4% | $63,803+67.3% | $82,637+29.2% |
| Participation rate | 48.6% | 66.6%-17.9pp | 72.7%-24.1pp | 68.1%-19.4pp |
| Annual return | 6.50% | 19.84%-13.3pp | 543.72%-537.2pp | 53.51%-47.0pp |
| Employer contribution / active EE | $1,251 | $1,904-34.3% | $2,532-50.6% | $2,552-51.0% |
| Participant deferral / active EE | $1,225 | $2,846-56.9% | $3,843-68.1% | $4,126-70.3% |
| Admin fee / account holder | $330 | $3,873-91.5% | $5,196-93.7% | $7,339-95.5% |