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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 | $51,524 | $48,284+6.7% | $67,524-23.7% | $80,911-36.3% |
| Participation rate | 40.0% | 66.4%-26.4pp | 72.9%-32.9pp | 67.6%-27.6pp |
| Annual return | 10.98% | 18.27%-7.3pp | 3519.41%-3508.4pp | 35.63%-24.7pp |
| Employer contribution / active EE | $700 | $2,021-65.3% | $2,734-74.4% | $2,756-74.6% |
| Participant deferral / active EE | $1,054 | $2,927-64.0% | $4,001-73.7% | $4,297-75.5% |
| Admin fee / account holder | $3,739 | $3,688+1.4% | $4,001-6.5% | $6,935-46.1% |