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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 | $48,250 | $102,393-52.9% | $147,041-67.2% | $80,911-40.4% |
| Participation rate | 65.9% | 75.9%-10.0pp | 82.2%-16.3pp | 67.6%-1.8pp |
| Annual return | 11.44% | 134.95%-123.5pp | 419.21%-407.8pp | 35.63%-24.2pp |
| Employer contribution / active EE | $1,790 | $3,715-51.8% | $4,935-63.7% | $2,756-35.1% |
| Participant deferral / active EE | $4,923 | $6,647-25.9% | $8,071-39.0% | $4,297+14.6% |
| Admin fee / account holder | $8,808 | $7,943+10.9% | $13,006-32.3% | $6,935+27.0% |