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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 | $19,028 | $175,231-89.1% | $149,696-87.3% | $139,466-86.4% |
| Participation rate | 36.4% | 83.4%-47.0pp | 78.8%-42.4pp | 80.3%-44.0pp |
| Annual return | 9.58% | 166.77%-157.2pp | 134.46%-124.9pp | 373.66%-364.1pp |
| Employer contribution / active EE | $1,508 | $5,478-72.5% | $4,821-68.7% | $4,754-68.3% |
| Participant deferral / active EE | $4,332 | $6,521-33.6% | $5,682-23.8% | $6,712-35.5% |
| Admin fee / account holder | $2,714 | $16,155-83.2% | $13,212-79.5% | $11,409-76.2% |