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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 | $37,132 | $102,422-63.7% | $147,117-74.8% | $80,959-54.1% |
| Participation rate | 47.2% | 75.9%-28.7pp | 82.2%-35.0pp | 67.7%-20.4pp |
| Annual return | 11.52% | 135.16%-123.6pp | 420.54%-409.0pp | 35.67%-24.1pp |
| Employer contribution / active EE | $1,248 | $3,717-66.4% | $4,932-74.7% | $2,757-54.7% |
| Participant deferral / active EE | $4,114 | $6,652-38.1% | $8,065-49.0% | $4,300-4.3% |
| Admin fee / account holder | $4,089 | $7,953-48.6% | $12,993-68.5% | $6,925-41.0% |