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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 | $40,643 | $47,105-13.7% | $68,368-40.6% | $67,986-40.2% |
| Participation rate | 37.8% | 51.8%-13.9pp | 73.8%-35.9pp | 57.2%-19.4pp |
| Annual return | 10.39% | 48.37%-38.0pp | 292.57%-282.2pp | 31.67%-21.3pp |
| Employer contribution / active EE | $1,150 | $1,859-38.1% | $2,649-56.6% | $2,019-43.0% |
| Participant deferral / active EE | $1,692 | $2,374-28.7% | $4,123-59.0% | $3,358-49.6% |
| Admin fee / account holder | $9,949 | $2,435+308.6% | $5,150+93.2% | $3,203+210.6% |