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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 | $45,921 | $50,554-9.2% | $67,681-32.2% | $87,485-47.5% |
| Participation rate | 56.7% | 67.7%-11.1pp | 73.7%-17.1pp | 68.9%-12.3pp |
| Annual return | 7.27% | 17.81%-10.5pp | 590.58%-583.3pp | 26.06%-18.8pp |
| Employer contribution / active EE | $1,227 | $1,988-38.3% | $2,678-54.2% | $2,596-52.7% |
| Participant deferral / active EE | $4,315 | $2,961+45.7% | $3,976+8.5% | $4,274+1.0% |
| Admin fee / account holder | $21,917 | $4,132+430.4% | $6,100+259.3% | $7,775+181.9% |