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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 | $43,076 | $96,236-55.2% | $133,698-67.8% | $80,959-46.8% |
| Participation rate | 52.7% | 71.2%-18.5pp | 76.4%-23.7pp | 67.7%-15.0pp |
| Annual return | 10.72% | 28.74%-18.0pp | 580.90%-570.2pp | 35.67%-25.0pp |
| Employer contribution / active EE | $1,937 | $3,350-42.2% | $4,218-54.1% | $2,757-29.7% |
| Participant deferral / active EE | $3,482 | $5,709-39.0% | $7,016-50.4% | $4,300-19.0% |
| Admin fee / account holder | $11,570 | $8,250+40.2% | $6,703+72.6% | $6,925+67.1% |