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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 | $53,178 | $102,422-48.1% | $147,117-63.9% | $80,959-34.3% |
| Participation rate | 50.0% | 75.9%-25.9pp | 82.2%-32.2pp | 67.7%-17.7pp |
| Annual return | 7.01% | 135.16%-128.1pp | 420.54%-413.5pp | 35.67%-28.7pp |
| Employer contribution / active EE | $1,543 | $3,717-58.5% | $4,932-68.7% | $2,757-44.0% |
| Participant deferral / active EE | $4,692 | $6,652-29.5% | $8,065-41.8% | $4,300+9.1% |
| Admin fee / account holder | $1,311 | $7,953-83.5% | $12,993-89.9% | $6,925-81.1% |