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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 | $38,518 | $98,240-60.8% | $82,312-53.2% | $147,586-73.9% |
| Participation rate | 64.3% | 79.7%-15.4pp | 76.9%-12.6pp | 82.8%-18.5pp |
| Annual return | 4.94% | 30.85%-25.9pp | 25.88%-20.9pp | 578.59%-573.7pp |
| Employer contribution / active EE | $1,533 | $3,192-52.0% | $2,428-36.9% | $4,876-68.6% |
| Participant deferral / active EE | $2,456 | $4,383-44.0% | $3,706-33.7% | $5,439-54.8% |
| Admin fee / account holder | $1,519 | $8,563-82.3% | $5,608-72.9% | $10,886-86.0% |