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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 | $29,830 | $58,275-48.8% | $81,844-63.6% | $80,935-63.1% |
| Participation rate | 38.8% | 63.5%-24.6pp | 72.4%-33.6pp | 67.7%-28.8pp |
| Annual return | 9.96% | 41.82%-31.9pp | 778.87%-768.9pp | 35.66%-25.7pp |
| Employer contribution / active EE | $2,612 | $2,346+11.3% | $2,916-10.4% | $2,757-5.3% |
| Participant deferral / active EE | $2,348 | $3,285-28.5% | $4,323-45.7% | $4,299-45.4% |
| Admin fee / account holder | $6,523 | $4,749+37.4% | $7,355-11.3% | $6,924-5.8% |