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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 | $31,070 | $85,171-63.5% | $172,752-82.0% | $72,975-57.4% |
| Participation rate | 61.5% | 70.1%-8.5pp | 82.6%-21.1pp | 69.5%-8.0pp |
| Annual return | 13.69% | 27.32%-13.6pp | 802.97%-789.3pp | 81.01%-67.3pp |
| Employer contribution / active EE | $3,726 | $3,324+12.1% | $5,144-27.6% | $2,440+52.7% |
| Participant deferral / active EE | $0 | $3,260-100.0% | $5,198-100.0% | $3,608-100.0% |
| Admin fee / account holder | $3,284 | $5,880-44.2% | $13,955-76.5% | $5,124-35.9% |