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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 | $48,221 | $91,537-47.3% | $130,045-62.9% | $75,173-35.9% |
| Participation rate | 49.1% | 71.5%-22.4pp | 78.5%-29.4pp | 67.2%-18.1pp |
| Annual return | 12.10% | -631.55%+643.6pp | -137.30%+149.4pp | 160.72%-148.6pp |
| Employer contribution / active EE | $2,047 | $2,845-28.0% | $4,321-52.6% | $2,671-23.3% |
| Participant deferral / active EE | $2,640 | $4,343-39.2% | $5,820-54.6% | $4,126-36.0% |
| Admin fee / account holder | $3,348 | $6,780-50.6% | $10,600-68.4% | $5,651-40.7% |