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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 | $20,760 | $114,013-81.8% | $103,693-80.0% | $155,188-86.6% |
| Participation rate | 50.0% | 75.2%-25.2pp | 72.6%-22.6pp | 80.8%-30.8pp |
| Annual return | 7.03% | 49.31%-42.3pp | 47.61%-40.6pp | 148.84%-141.8pp |
| Employer contribution / active EE | $1,926 | $3,131-38.5% | $2,920-34.0% | $4,248-54.7% |
| Participant deferral / active EE | $4,151 | $4,970-16.5% | $4,579-9.4% | $6,531-36.5% |
| Admin fee / account holder | $11,649 | $8,407+38.6% | $7,858+48.2% | $14,480-19.5% |