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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 | $39,737 | $29,733+33.6% | $56,025-29.1% | $80,959-50.9% |
| Participation rate | 18.2% | 41.7%-23.5pp | 52.5%-34.3pp | 67.7%-49.5pp |
| Annual return | 5.54% | 35.28%-29.7pp | 1712.69%-1707.1pp | 35.67%-30.1pp |
| Employer contribution / active EE | $501 | $672-25.5% | $1,042-51.9% | $2,757-81.8% |
| Participant deferral / active EE | $1,430 | $1,229+16.3% | $1,955-26.8% | $4,300-66.7% |
| Admin fee / account holder | $6,121 | $2,434+151.5% | $2,828+116.4% | $6,925-11.6% |