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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 | $28,585 | $60,504-52.8% | $81,882-65.1% | $74,478-61.6% |
| Participation rate | 49.3% | 62.9%-13.6pp | 72.4%-23.1pp | 67.2%-17.9pp |
| Annual return | 9.62% | 16.91%-7.3pp | 779.47%-769.9pp | 1370.56%-1360.9pp |
| Employer contribution / active EE | $627 | $2,627-76.1% | $2,916-78.5% | $2,626-76.1% |
| Participant deferral / active EE | $3,892 | $3,400+14.5% | $4,323-10.0% | $4,350-10.5% |
| Admin fee / account holder | $5,192 | $1,492+248.0% | $7,360-29.5% | $1,946+166.8% |