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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 | $42,998 | $93,345-53.9% | $119,126-63.9% | $87,485-50.9% |
| Participation rate | 63.2% | 68.7%-5.6pp | 75.8%-12.6pp | 68.9%-5.8pp |
| Annual return | 11.37% | 19.08%-7.7pp | 282.11%-270.7pp | 26.06%-14.7pp |
| Employer contribution / active EE | $1,481 | $3,172-53.3% | $4,034-63.3% | $2,596-43.0% |
| Participant deferral / active EE | $3,214 | $4,099-21.6% | $5,318-39.6% | $4,274-24.8% |
| Admin fee / account holder | $2,158 | $8,039-73.2% | $10,693-79.8% | $7,775-72.2% |