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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 | $49,500 | $49,896-0.8% | $80,627-38.6% | $75,173-34.2% |
| Participation rate | 43.8% | 55.3%-11.6pp | 67.0%-23.3pp | 67.2%-23.5pp |
| Annual return | 5.10% | 34.67%-29.6pp | 936.76%-931.7pp | 160.72%-155.6pp |
| Employer contribution / active EE | $1,192 | $1,699-29.8% | $2,723-56.2% | $2,671-55.4% |
| Participant deferral / active EE | $3,024 | $2,992+1.1% | $4,443-31.9% | $4,126-26.7% |
| Admin fee / account holder | $11,646 | $3,578+225.5% | $5,381+116.5% | $5,651+106.1% |