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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 | $18,849 | $34,316-45.1% | $74,722-74.8% | $72,975-74.2% |
| Participation rate | 39.3% | 42.4%-3.1pp | 54.5%-15.2pp | 69.5%-30.2pp |
| Annual return | 14.27% | 26.58%-12.3pp | 753.11%-738.8pp | 81.01%-66.7pp |
| Employer contribution / active EE | $678 | $692-1.9% | $1,084-37.4% | $2,440-72.2% |
| Participant deferral / active EE | $1,255 | $1,272-1.4% | $1,963-36.1% | $3,608-65.2% |
| Admin fee / account holder | $3,395 | $2,125+59.8% | $3,335+1.8% | $5,124-33.7% |