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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 | $31,053 | $102,385-69.7% | $147,080-78.9% | $80,935-61.6% |
| Participation rate | 49.1% | 75.9%-26.8pp | 82.2%-33.1pp | 67.7%-18.6pp |
| Annual return | 11.21% | 135.09%-123.9pp | 420.17%-409.0pp | 35.66%-24.4pp |
| Employer contribution / active EE | $1,253 | $3,717-66.3% | $4,933-74.6% | $2,757-54.5% |
| Participant deferral / active EE | $3,329 | $6,651-49.9% | $8,066-58.7% | $4,299-22.6% |
| Admin fee / account holder | $1,282 | $7,951-83.9% | $12,989-90.1% | $6,924-81.5% |