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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 | $49,260 | $58,241-15.4% | $81,780-39.8% | $80,911-39.1% |
| Participation rate | 38.6% | 63.4%-24.8pp | 72.4%-33.7pp | 67.6%-29.0pp |
| Annual return | 10.72% | 41.73%-31.0pp | 776.27%-765.5pp | 35.63%-24.9pp |
| Employer contribution / active EE | $1,275 | $2,343-45.6% | $2,914-56.2% | $2,756-53.7% |
| Participant deferral / active EE | $3,145 | $3,283-4.2% | $4,321-27.2% | $4,297-26.8% |
| Admin fee / account holder | $3,032 | $4,973-39.0% | $7,384-58.9% | $6,935-56.3% |