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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 | $46,700 | $27,924+67.2% | $58,544-20.2% | $75,181-37.9% |
| Participation rate | 36.8% | 38.8%-2.1pp | 50.9%-14.1pp | 67.2%-30.4pp |
| Annual return | 14.77% | 44.20%-29.4pp | 4249.56%-4234.8pp | 160.69%-145.9pp |
| Employer contribution / active EE | $390 | $669-41.8% | $1,053-63.0% | $2,671-85.4% |
| Participant deferral / active EE | $614 | $1,202-48.9% | $1,923-68.1% | $4,126-85.1% |
| Admin fee / account holder | $1,793 | $1,726+3.9% | $2,520-28.9% | $5,650-68.3% |