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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 | $65,128 | $48,337+34.7% | $67,560-3.6% | $80,959-19.6% |
| Participation rate | 38.6% | 66.4%-27.8pp | 72.9%-34.3pp | 67.7%-29.0pp |
| Annual return | 1.13% | 18.26%-17.1pp | 3533.50%-3532.4pp | 35.67%-34.5pp |
| Employer contribution / active EE | $1,018 | $2,023-49.7% | $2,737-62.8% | $2,757-63.1% |
| Participant deferral / active EE | $2,811 | $2,928-4.0% | $4,004-29.8% | $4,300-34.6% |
| Admin fee / account holder | $4,741 | $3,695+28.3% | $3,994+18.7% | $6,925-31.5% |