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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 | $60,305-52.6% | $81,780-65.0% | $74,400-61.6% |
| Participation rate | 49.3% | 62.9%-13.6pp | 72.4%-23.1pp | 67.2%-17.9pp |
| Annual return | 9.62% | 16.89%-7.3pp | 776.27%-766.6pp | 1367.51%-1357.9pp |
| Employer contribution / active EE | $627 | $2,623-76.1% | $2,914-78.5% | $2,624-76.1% |
| Participant deferral / active EE | $3,892 | $3,390+14.8% | $4,321-9.9% | $4,348-10.5% |
| Admin fee / account holder | $5,192 | $1,484+249.8% | $7,384-29.7% | $1,944+167.1% |