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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 | $54,771 | $111,830-51.0% | $93,696-41.5% | $145,884-62.5% |
| Participation rate | 42.9% | 74.2%-31.4pp | 68.7%-25.9pp | 80.3%-37.4pp |
| Annual return | 3.10% | 204.08%-201.0pp | 133.74%-130.6pp | 551.85%-548.7pp |
| Employer contribution / active EE | $1,230 | $3,093-60.2% | $2,422-49.2% | $4,662-73.6% |
| Participant deferral / active EE | $1,770 | $4,920-64.0% | $4,417-59.9% | $6,690-73.5% |
| Admin fee / account holder | $1,605 | $10,249-84.3% | $8,287-80.6% | $13,392-88.0% |