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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 | $57,652 | $65,566-12.1% | $86,235-33.1% | $75,177-23.3% |
| Participation rate | 37.7% | 60.5%-22.8pp | 69.0%-31.3pp | 67.2%-29.5pp |
| Annual return | 12.59% | 46.07%-33.5pp | 1170.03%-1157.4pp | 160.75%-148.2pp |
| Employer contribution / active EE | $387 | $1,553-75.1% | $2,381-83.8% | $2,671-85.5% |
| Participant deferral / active EE | $2,239 | $3,023-26.0% | $3,987-43.9% | $4,126-45.8% |
| Admin fee / account holder | $909 | $5,470-83.4% | $6,856-86.7% | $5,651-83.9% |