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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 | $22,157 | $61,125-63.8% | $94,057-76.4% | $87,485-74.7% |
| Participation rate | 55.8% | 64.1%-8.3pp | 73.3%-17.5pp | 68.9%-13.1pp |
| Annual return | 11.90% | 35.20%-23.3pp | 480.62%-468.7pp | 26.06%-14.2pp |
| Employer contribution / active EE | $1,063 | $2,136-50.2% | $2,933-63.8% | $2,596-59.1% |
| Participant deferral / active EE | $3,638 | $3,260+11.6% | $4,709-22.8% | $4,274-14.9% |
| Admin fee / account holder | $1,303 | $5,629-76.9% | $7,244-82.0% | $7,775-83.2% |