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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 | $37,914 | $60,488-37.3% | $109,907-65.5% | $79,391-52.2% |
| Participation rate | 47.3% | 67.0%-19.7pp | 74.2%-26.9pp | 70.7%-23.4pp |
| Annual return | 10.83% | 189.57%-178.7pp | 29.46%-18.6pp | 116.88%-106.1pp |
| Employer contribution / active EE | $1,055 | $1,649-36.0% | $2,844-62.9% | $2,428-56.5% |
| Participant deferral / active EE | $1,964 | $3,220-39.0% | $4,047-51.5% | $4,046-51.4% |
| Admin fee / account holder | $795 | $605+31.4% | $6,069-86.9% | $627+26.8% |