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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 | $46,320 | $52,353-11.5% | $120,225-61.5% | $82,448-43.8% |
| Participation rate | 59.0% | 58.3%+0.7pp | 69.6%-10.6pp | 68.1%-9.1pp |
| Annual return | 12.17% | 61.85%-49.7pp | 439.23%-427.1pp | 41.64%-29.5pp |
| Employer contribution / active EE | $1,124 | $1,510-25.6% | $3,475-67.7% | $2,551-55.9% |
| Participant deferral / active EE | $3,356 | $2,627+27.8% | $3,999-16.1% | $4,139-18.9% |
| Admin fee / account holder | $5,200 | $4,363+19.2% | $5,696-8.7% | $7,234-28.1% |