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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 | $51,269 | $58,292-12.0% | $86,640-40.8% | $71,511-28.3% |
| Participation rate | 52.0% | 65.0%-13.0pp | 71.7%-19.7pp | 67.9%-15.9pp |
| Annual return | 13.55% | 21.63%-8.1pp | 592.52%-579.0pp | 28.86%-15.3pp |
| Employer contribution / active EE | $2,053 | $2,574-20.2% | $3,024-32.1% | $2,589-20.7% |
| Participant deferral / active EE | $4,077 | $3,438+18.6% | $4,438-8.2% | $4,291-5.0% |
| Admin fee / account holder | $1,204 | $1,057+13.8% | $5,616-78.6% | $1,588-24.2% |