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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 | $23,780 | $48,570-51.0% | $130,660-81.8% | $72,983-67.4% |
| Participation rate | 51.6% | 58.6%-7.0pp | 71.7%-20.1pp | 69.5%-17.9pp |
| Annual return | 14.38% | 38.63%-24.2pp | 1709.29%-1694.9pp | 81.01%-66.6pp |
| Employer contribution / active EE | $925 | $1,334-30.7% | $4,092-77.4% | $2,440-62.1% |
| Participant deferral / active EE | $1,826 | $2,384-23.4% | $3,603-49.3% | $3,608-49.4% |
| Admin fee / account holder | $553 | $3,549-84.4% | $5,463-89.9% | $5,124-89.2% |