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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 | $39,566 | $58,258-32.1% | $81,820-51.6% | $80,925-51.1% |
| Participation rate | 45.5% | 63.5%-18.0pp | 72.4%-26.9pp | 67.7%-22.2pp |
| Annual return | 10.17% | 41.76%-31.6pp | 777.93%-767.8pp | 35.65%-25.5pp |
| Employer contribution / active EE | $1,219 | $2,345-48.0% | $2,915-58.2% | $2,756-55.8% |
| Participant deferral / active EE | $1,845 | $3,284-43.8% | $4,323-57.3% | $4,299-57.1% |
| Admin fee / account holder | $2,616 | $4,976-47.4% | $7,391-64.6% | $6,940-62.3% |