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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 | $58,275-15.5% | $81,844-39.8% | $80,935-39.1% |
| Participation rate | 38.6% | 63.5%-24.8pp | 72.4%-33.7pp | 67.7%-29.0pp |
| Annual return | 10.72% | 41.82%-31.1pp | 778.87%-768.1pp | 35.66%-24.9pp |
| Employer contribution / active EE | $1,275 | $2,346-45.6% | $2,916-56.3% | $2,757-53.7% |
| Participant deferral / active EE | $3,145 | $3,285-4.3% | $4,323-27.2% | $4,299-26.8% |
| Admin fee / account holder | $3,032 | $4,749-36.1% | $7,355-58.8% | $6,924-56.2% |