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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 | $46,509 | $47,479-2.0% | $62,929-26.1% | $82,448-43.6% |
| Participation rate | 51.8% | 66.9%-15.1pp | 73.1%-21.3pp | 68.1%-16.3pp |
| Annual return | 11.35% | 20.34%-9.0pp | 1063.93%-1052.6pp | 41.64%-30.3pp |
| Employer contribution / active EE | $619 | $1,885-67.1% | $2,505-75.3% | $2,551-75.7% |
| Participant deferral / active EE | $2,625 | $2,870-8.6% | $3,888-32.5% | $4,139-36.6% |
| Admin fee / account holder | $6,984 | $3,804+83.6% | $5,065+37.9% | $7,234-3.5% |