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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 | $45,958 | $49,891-7.9% | $80,607-43.0% | $75,181-38.9% |
| Participation rate | 69.0% | 55.3%+13.7pp | 67.0%+2.0pp | 67.2%+1.8pp |
| Annual return | 11.56% | 34.67%-23.1pp | 936.11%-924.6pp | 160.69%-149.1pp |
| Employer contribution / active EE | $1,386 | $1,698-18.4% | $2,724-49.1% | $2,671-48.1% |
| Participant deferral / active EE | $2,144 | $2,991-28.3% | $4,448-51.8% | $4,126-48.0% |
| Admin fee / account holder | $529 | $3,578-85.2% | $5,379-90.2% | $5,650-90.6% |