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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 | $29,087 | $105,210-72.4% | $159,487-81.8% | $85,851-66.1% |
| Participation rate | 61.7% | 75.8%-14.1pp | 82.8%-21.2pp | 69.3%-7.7pp |
| Annual return | 12.38% | 45.08%-32.7pp | 263.71%-251.3pp | 318.63%-306.3pp |
| Employer contribution / active EE | $1,097 | $3,319-66.9% | $4,831-77.3% | $2,565-57.2% |
| Participant deferral / active EE | $2,783 | $5,946-53.2% | $7,354-62.2% | $3,952-29.6% |
| Admin fee / account holder | $344 | $6,934-95.0% | $10,804-96.8% | $6,261-94.5% |