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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 | $51,629 | $58,311-11.5% | $81,882-36.9% | $80,959-36.2% |
| Participation rate | 41.3% | 63.5%-22.2pp | 72.4%-31.1pp | 67.7%-26.4pp |
| Annual return | 9.72% | 41.85%-32.1pp | 779.47%-769.7pp | 35.67%-25.9pp |
| Employer contribution / active EE | $1,067 | $2,347-54.5% | $2,916-63.4% | $2,757-61.3% |
| Participant deferral / active EE | $2,154 | $3,287-34.5% | $4,323-50.2% | $4,300-49.9% |
| Admin fee / account holder | $6,109 | $4,752+28.6% | $7,360-17.0% | $6,925-11.8% |