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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 | $41,603 | $102,638-59.5% | $81,982-49.3% | $158,982-73.8% |
| Participation rate | 54.5% | 75.5%-21.0pp | 69.3%-14.7pp | 82.0%-27.4pp |
| Annual return | 2.58% | 61.05%-58.5pp | 41.31%-38.7pp | 302.99%-300.4pp |
| Employer contribution / active EE | $1,857 | $3,241-42.7% | $2,498-25.7% | $4,763-61.0% |
| Participant deferral / active EE | $3,254 | $4,649-30.0% | $3,722-12.6% | $5,983-45.6% |
| Admin fee / account holder | $565 | $8,237-93.1% | $5,665-90.0% | $11,252-95.0% |