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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 | $29,623 | $88,672-66.6% | $105,223-71.8% | $82,448-64.1% |
| Participation rate | 51.4% | 67.9%-16.5pp | 75.0%-23.6pp | 68.1%-16.6pp |
| Annual return | 9.67% | 30.86%-21.2pp | 180.65%-171.0pp | 41.64%-32.0pp |
| Employer contribution / active EE | $1,985 | $3,048-34.9% | $3,689-46.2% | $2,551-22.2% |
| Participant deferral / active EE | $3,469 | $4,036-14.1% | $5,072-31.6% | $4,139-16.2% |
| Admin fee / account holder | $6,027 | $7,146-15.7% | $8,859-32.0% | $7,234-16.7% |