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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 | $57,030 | $98,766-42.3% | $149,730-61.9% | $79,852-28.6% |
| Participation rate | 53.0% | 75.8%-22.8pp | 82.5%-29.5pp | 69.6%-16.6pp |
| Annual return | 10.54% | 27.43%-16.9pp | 276.70%-266.2pp | 31.72%-21.2pp |
| Employer contribution / active EE | $1,719 | $3,217-46.6% | $4,645-63.0% | $2,471-30.4% |
| Participant deferral / active EE | $3,332 | $5,681-41.3% | $6,843-51.3% | $3,740-10.9% |
| Admin fee / account holder | $9,667 | $6,052+59.7% | $9,310+3.8% | $5,306+82.2% |