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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 | $42,377 | $96,731-56.2% | $123,973-65.8% | $86,983-51.3% |
| Participation rate | 23.1% | 70.0%-46.9pp | 76.7%-53.6pp | 69.5%-46.5pp |
| Annual return | 9.66% | 17.33%-7.7pp | 388.13%-378.5pp | 25.83%-16.2pp |
| Employer contribution / active EE | $1,016 | $3,297-69.2% | $4,126-75.4% | $2,584-60.7% |
| Participant deferral / active EE | $2,314 | $4,152-44.3% | $5,247-55.9% | $4,194-44.8% |
| Admin fee / account holder | $575 | $8,722-93.4% | $11,799-95.1% | $7,856-92.7% |