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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 | $36,829 | $51,638-28.7% | $68,368-46.1% | $82,448-55.3% |
| Participation rate | 56.0% | 63.6%-7.6pp | 73.8%-17.8pp | 68.1%-12.1pp |
| Annual return | 13.19% | 37.53%-24.3pp | 292.57%-279.4pp | 41.64%-28.5pp |
| Employer contribution / active EE | $1,864 | $2,047-8.9% | $2,649-29.6% | $2,551-26.9% |
| Participant deferral / active EE | $2,949 | $2,914+1.2% | $4,123-28.5% | $4,139-28.8% |
| Admin fee / account holder | $4,918 | $4,643+5.9% | $5,150-4.5% | $7,234-32.0% |