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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 | $55,753 | $102,385-45.5% | $147,080-62.1% | $80,935-31.1% |
| Participation rate | 38.5% | 75.9%-37.4pp | 82.2%-43.7pp | 67.7%-29.2pp |
| Annual return | 10.74% | 135.09%-124.4pp | 420.17%-409.4pp | 35.66%-24.9pp |
| Employer contribution / active EE | $1,281 | $3,717-65.5% | $4,933-74.0% | $2,757-53.5% |
| Participant deferral / active EE | $3,062 | $6,651-54.0% | $8,066-62.0% | $4,299-28.8% |
| Admin fee / account holder | $682 | $7,951-91.4% | $12,989-94.7% | $6,924-90.1% |