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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 | $48,546 | $47,105+3.1% | $68,368-29.0% | $67,986-28.6% |
| Participation rate | 39.3% | 51.8%-12.5pp | 73.8%-34.4pp | 57.2%-17.9pp |
| Annual return | 10.83% | 48.37%-37.5pp | 292.57%-281.7pp | 31.67%-20.8pp |
| Employer contribution / active EE | $1,190 | $1,859-36.0% | $2,649-55.1% | $2,019-41.1% |
| Participant deferral / active EE | $1,652 | $2,374-30.4% | $4,123-59.9% | $3,358-50.8% |
| Admin fee / account holder | $24,750 | $2,435+916.4% | $5,150+380.6% | $3,203+672.7% |