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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 | $37,490 | $48,011-21.9% | $63,803-41.2% | $82,637-54.6% |
| Participation rate | 55.8% | 66.6%-10.8pp | 72.7%-16.9pp | 68.1%-12.2pp |
| Annual return | 8.56% | 19.84%-11.3pp | 543.72%-535.2pp | 53.51%-44.9pp |
| Employer contribution / active EE | $796 | $1,904-58.2% | $2,532-68.6% | $2,552-68.8% |
| Participant deferral / active EE | $1,969 | $2,846-30.8% | $3,843-48.8% | $4,126-52.3% |
| Admin fee / account holder | $14,977 | $3,873+286.7% | $5,196+188.2% | $7,339+104.1% |