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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 | $39,504 | $160,028-75.3% | $147,080-73.1% | $145,884-72.9% |
| Participation rate | 55.0% | 84.0%-29.0pp | 82.2%-27.2pp | 80.3%-25.3pp |
| Annual return | 5.72% | 98.60%-92.9pp | 420.17%-414.4pp | 551.85%-546.1pp |
| Employer contribution / active EE | $1,596 | $5,286-69.8% | $4,933-67.6% | $4,662-65.8% |
| Participant deferral / active EE | $4,815 | $8,422-42.8% | $8,066-40.3% | $6,690-28.0% |
| Admin fee / account holder | $5,159 | $15,030-65.7% | $12,989-60.3% | $13,392-61.5% |