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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 | $106,688 | $160,040-33.3% | $147,096-27.5% | $145,877-26.9% |
| Participation rate | 44.4% | 84.0%-39.6pp | 82.2%-37.7pp | 80.3%-35.9pp |
| Annual return | 7.63% | 98.49%-90.9pp | 419.75%-412.1pp | 551.28%-543.7pp |
| Employer contribution / active EE | $1,804 | $5,289-65.9% | $4,936-63.5% | $4,663-61.3% |
| Participant deferral / active EE | $3,953 | $8,429-53.1% | $8,071-51.0% | $6,691-40.9% |
| Admin fee / account holder | $46,580 | $15,050+209.5% | $13,005+258.2% | $13,402+247.6% |