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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 | $48,801 | $56,134-13.1% | $96,171-49.3% | $85,847-43.2% |
| Participation rate | 46.9% | 56.7%-9.8pp | 68.4%-21.6pp | 69.3%-22.4pp |
| Annual return | 7.64% | 42.30%-34.7pp | 192.04%-184.4pp | 318.61%-311.0pp |
| Employer contribution / active EE | $1,171 | $1,620-27.7% | $2,799-58.1% | $2,565-54.3% |
| Participant deferral / active EE | $3,274 | $2,858+14.6% | $4,350-24.7% | $3,952-17.2% |
| Admin fee / account holder | $890 | $3,769-76.4% | $5,538-83.9% | $6,261-85.8% |