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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 | $58,192 | $61,125-4.8% | $94,057-38.1% | $87,485-33.5% |
| Participation rate | 43.9% | 64.1%-20.2pp | 73.3%-29.5pp | 68.9%-25.1pp |
| Annual return | 9.79% | 35.20%-25.4pp | 480.62%-470.8pp | 26.06%-16.3pp |
| Employer contribution / active EE | $1,389 | $2,136-35.0% | $2,933-52.6% | $2,596-46.5% |
| Participant deferral / active EE | $3,435 | $3,260+5.4% | $4,709-27.1% | $4,274-19.6% |
| Admin fee / account holder | $4,469 | $5,629-20.6% | $7,244-38.3% | $7,775-42.5% |