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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 | $48,061 | $56,431-14.8% | $130,788-63.3% | $87,485-45.1% |
| Participation rate | 36.5% | 58.9%-22.4pp | 70.1%-33.6pp | 68.9%-32.4pp |
| Annual return | 11.41% | 91.27%-79.9pp | 386.44%-375.0pp | 26.06%-14.6pp |
| Employer contribution / active EE | $1,271 | $1,549-17.9% | $3,558-64.3% | $2,596-51.0% |
| Participant deferral / active EE | $2,969 | $2,749+8.0% | $4,137-28.2% | $4,274-30.5% |
| Admin fee / account holder | $10,044 | $4,433+126.6% | $6,673+50.5% | $7,775+29.2% |