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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 | $18,529 | $110,379-83.2% | $102,412-81.9% | $145,884-87.3% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.5%-24.5pp | 80.3%-30.3pp |
| Annual return | 5.21% | 24.84%-19.6pp | 24.94%-19.7pp | 551.85%-546.6pp |
| Employer contribution / active EE | $2,191 | $4,216-48.0% | $3,870-43.4% | $4,662-53.0% |
| Participant deferral / active EE | $4,769 | $5,622-15.2% | $5,060-5.7% | $6,690-28.7% |
| Admin fee / account holder | $12,150 | $9,745+24.7% | $8,388+44.9% | $13,392-9.3% |