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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 | $36,211 | $85,171-57.5% | $172,753-79.0% | $72,976-50.4% |
| Participation rate | 49.0% | 70.1%-21.1pp | 82.6%-33.7pp | 69.5%-20.5pp |
| Annual return | 9.86% | 27.32%-17.5pp | 803.00%-793.1pp | 81.02%-71.2pp |
| Employer contribution / active EE | $1,160 | $3,324-65.1% | $5,144-77.4% | $2,440-52.5% |
| Participant deferral / active EE | $1,631 | $3,260-50.0% | $5,198-68.6% | $3,608-54.8% |
| Admin fee / account holder | $529 | $5,880-91.0% | $13,956-96.2% | $5,124-89.7% |