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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 | $37,094 | $51,638-28.2% | $68,368-45.7% | $82,448-55.0% |
| Participation rate | 46.5% | 63.6%-17.1pp | 73.8%-27.2pp | 68.1%-21.6pp |
| Annual return | 13.00% | 37.53%-24.5pp | 292.57%-279.6pp | 41.64%-28.6pp |
| Employer contribution / active EE | $619 | $2,047-69.8% | $2,649-76.6% | $2,551-75.7% |
| Participant deferral / active EE | $716 | $2,914-75.4% | $4,123-82.6% | $4,139-82.7% |
| Admin fee / account holder | $2,350 | $4,643-49.4% | $5,150-54.4% | $7,234-67.5% |