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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 | $50,041 | $59,467-15.9% | $93,727-46.6% | $74,478-32.8% |
| Participation rate | 41.8% | 59.6%-17.8pp | 68.7%-26.9pp | 67.2%-25.4pp |
| Annual return | 9.30% | 82.14%-72.8pp | 133.83%-124.5pp | 1370.56%-1361.3pp |
| Employer contribution / active EE | $408 | $1,267-67.8% | $2,421-83.1% | $2,626-84.5% |
| Participant deferral / active EE | $1,486 | $3,052-51.3% | $4,417-66.4% | $4,350-65.8% |
| Admin fee / account holder | $1,974 | $3,028-34.8% | $8,292-76.2% | $1,946+1.4% |