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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 | $78,758 | $95,406-17.4% | $185,849-57.6% | $85,847-8.3% |
| Participation rate | 48.1% | 68.8%-20.6pp | 81.7%-33.6pp | 69.3%-21.2pp |
| Annual return | 6.32% | 23.59%-17.3pp | 122.10%-115.8pp | 318.61%-312.3pp |
| Employer contribution / active EE | $656 | $3,314-80.2% | $5,169-87.3% | $2,565-74.4% |
| Participant deferral / active EE | $3,965 | $3,424+15.8% | $5,569-28.8% | $3,952+0.3% |
| Admin fee / account holder | $900 | $7,214-87.5% | $16,244-94.5% | $6,261-85.6% |