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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 | $45,035 | $58,726-23.3% | $142,898-68.5% | $85,847-47.5% |
| Participation rate | 44.0% | 58.5%-14.5pp | 72.0%-28.0pp | 69.3%-25.3pp |
| Annual return | 11.54% | 27.73%-16.2pp | 5639.64%-5628.1pp | 318.61%-307.1pp |
| Employer contribution / active EE | $845 | $1,424-40.6% | $4,146-79.6% | $2,565-67.1% |
| Participant deferral / active EE | $1,758 | $2,609-32.6% | $3,838-54.2% | $3,952-55.5% |
| Admin fee / account holder | $6,068 | $4,234+43.3% | $6,560-7.5% | $6,261-3.1% |