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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 | $49,759 | $49,976-0.4% | $66,674-25.4% | $82,637-39.8% |
| Participation rate | 28.8% | 63.1%-34.3pp | 73.7%-44.9pp | 68.1%-39.2pp |
| Annual return | 12.19% | 39.09%-26.9pp | 321.24%-309.1pp | 53.51%-41.3pp |
| Employer contribution / active EE | $1,424 | $1,988-28.4% | $2,620-45.7% | $2,552-44.2% |
| Participant deferral / active EE | $1,489 | $2,847-47.7% | $4,084-63.5% | $4,126-63.9% |
| Admin fee / account holder | $8,623 | $4,594+87.7% | $5,098+69.1% | $7,339+17.5% |