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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 | $29,639 | $48,314-38.7% | $67,561-56.1% | $80,925-63.4% |
| Participation rate | 56.5% | 66.4%-9.9pp | 72.9%-16.4pp | 67.7%-11.1pp |
| Annual return | 10.69% | 18.28%-7.6pp | 3525.44%-3514.8pp | 35.65%-25.0pp |
| Employer contribution / active EE | $684 | $2,022-66.1% | $2,735-75.0% | $2,756-75.2% |
| Participant deferral / active EE | $1,744 | $2,927-40.4% | $4,003-56.4% | $4,299-59.4% |
| Admin fee / account holder | $654 | $3,690-82.3% | $4,006-83.7% | $6,940-90.6% |