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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 | $45,475 | $159,978-71.6% | $147,041-69.1% | $145,978-68.8% |
| Participation rate | 47.8% | 84.0%-36.2pp | 82.2%-34.3pp | 80.3%-32.5pp |
| Annual return | 7.44% | 98.36%-90.9pp | 419.21%-411.8pp | 550.52%-543.1pp |
| Employer contribution / active EE | $0 | $5,288-100.0% | $4,935-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $10,788 | $8,429+28.0% | $8,071+33.7% | $6,690+61.3% |
| Admin fee / account holder | $8,837 | $15,053-41.3% | $13,006-32.1% | $13,400-34.1% |