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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 | $54,294 | $52,353+3.7% | $120,225-54.8% | $82,448-34.1% |
| Participation rate | 47.9% | 58.3%-10.4pp | 69.6%-21.7pp | 68.1%-20.2pp |
| Annual return | 12.79% | 61.85%-49.1pp | 439.23%-426.4pp | 41.64%-28.9pp |
| Employer contribution / active EE | $636 | $1,510-57.9% | $3,475-81.7% | $2,551-75.1% |
| Participant deferral / active EE | $783 | $2,627-70.2% | $3,999-80.4% | $4,139-81.1% |
| Admin fee / account holder | $2,398 | $4,363-45.0% | $5,696-57.9% | $7,234-66.9% |