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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 | $40,022 | $60,305-33.6% | $81,780-51.1% | $74,400-46.2% |
| Participation rate | 47.9% | 62.9%-15.0pp | 72.4%-24.5pp | 67.2%-19.3pp |
| Annual return | 9.23% | 16.89%-7.7pp | 776.27%-767.0pp | 1367.51%-1358.3pp |
| Employer contribution / active EE | $896 | $2,623-65.8% | $2,914-69.2% | $2,624-65.9% |
| Participant deferral / active EE | $1,166 | $3,390-65.6% | $4,321-73.0% | $4,348-73.2% |
| Admin fee / account holder | $443 | $1,484-70.2% | $7,384-94.0% | $1,944-77.2% |