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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 | $38,293 | $51,638-25.8% | $68,368-44.0% | $82,448-53.6% |
| Participation rate | 53.8% | 63.6%-9.8pp | 73.8%-19.9pp | 68.1%-14.2pp |
| Annual return | 13.34% | 37.53%-24.2pp | 292.57%-279.2pp | 41.64%-28.3pp |
| Employer contribution / active EE | $1,058 | $2,047-48.3% | $2,649-60.1% | $2,551-58.5% |
| Participant deferral / active EE | $3,649 | $2,914+25.2% | $4,123-11.5% | $4,139-11.8% |
| Admin fee / account holder | $1,953 | $4,643-57.9% | $5,150-62.1% | $7,234-73.0% |