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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 | $39,518 | $85,171-53.6% | $172,753-77.1% | $72,976-45.8% |
| Participation rate | 53.3% | 70.1%-16.7pp | 82.6%-29.3pp | 69.5%-16.2pp |
| Annual return | 14.52% | 27.32%-12.8pp | 803.00%-788.5pp | 81.02%-66.5pp |
| Employer contribution / active EE | $1,130 | $3,324-66.0% | $5,144-78.0% | $2,440-53.7% |
| Participant deferral / active EE | $1,820 | $3,260-44.2% | $5,198-65.0% | $3,608-49.6% |
| Admin fee / account holder | $805 | $5,880-86.3% | $13,956-94.2% | $5,124-84.3% |