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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 | $42,881 | $107,079-60.0% | $151,266-71.7% | $87,485-51.0% |
| Participation rate | 38.3% | 71.1%-32.8pp | 77.0%-38.6pp | 68.9%-30.6pp |
| Annual return | 9.99% | 22.17%-12.2pp | 180.60%-170.6pp | 26.06%-16.1pp |
| Employer contribution / active EE | $1,583 | $3,174-50.1% | $4,237-62.6% | $2,596-39.0% |
| Participant deferral / active EE | $2,820 | $5,789-51.3% | $7,337-61.6% | $4,274-34.0% |
| Admin fee / account holder | $670 | $8,059-91.7% | $13,159-94.9% | $7,775-91.4% |