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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 | $39,590 | $102,422-61.3% | $147,117-73.1% | $80,959-51.1% |
| Participation rate | 38.5% | 75.9%-37.4pp | 82.2%-43.7pp | 67.7%-29.2pp |
| Annual return | 9.86% | 135.16%-125.3pp | 420.54%-410.7pp | 35.67%-25.8pp |
| Employer contribution / active EE | $1,309 | $3,717-64.8% | $4,932-73.5% | $2,757-52.5% |
| Participant deferral / active EE | $3,429 | $6,652-48.4% | $8,065-57.5% | $4,300-20.3% |
| Admin fee / account holder | $5,530 | $7,953-30.5% | $12,993-57.4% | $6,925-20.1% |