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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 | $58,234-48.8% | $81,783-63.5% | $80,874-63.1% |
| Participation rate | 38.8% | 63.4%-24.6pp | 72.4%-33.5pp | 67.6%-28.8pp |
| Annual return | 9.96% | 41.70%-31.7pp | 775.05%-765.1pp | 35.62%-25.7pp |
| Employer contribution / active EE | $2,612 | $2,341+11.6% | $2,913-10.3% | $2,756-5.2% |
| Participant deferral / active EE | $2,348 | $3,283-28.5% | $4,320-45.6% | $4,297-45.3% |
| Admin fee / account holder | $6,523 | $4,982+30.9% | $7,380-11.6% | $6,935-5.9% |