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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 | $49,885 | $58,726-15.1% | $142,898-65.1% | $85,851-41.9% |
| Participation rate | 53.1% | 58.5%-5.4pp | 72.0%-18.8pp | 69.3%-16.2pp |
| Annual return | 10.54% | 27.73%-17.2pp | 5639.64%-5629.1pp | 318.63%-308.1pp |
| Employer contribution / active EE | $594 | $1,424-58.3% | $4,146-85.7% | $2,565-76.8% |
| Participant deferral / active EE | $1,903 | $2,609-27.0% | $3,838-50.4% | $3,952-51.8% |
| Admin fee / account holder | $5,647 | $4,234+33.4% | $6,560-13.9% | $6,261-9.8% |