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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 | $18,815 | $55,457-66.1% | $77,361-75.7% | $94,015-80.0% |
| Participation rate | 59.5% | 69.8%-10.3pp | 75.0%-15.4pp | 70.8%-11.3pp |
| Annual return | 6.98% | 15.57%-8.6pp | 1011.54%-1004.6pp | 17.84%-10.9pp |
| Employer contribution / active EE | $1,133 | $2,255-49.8% | $2,990-62.1% | $2,790-59.4% |
| Participant deferral / active EE | $3,206 | $3,069+4.4% | $3,911-18.0% | $4,249-24.6% |
| Admin fee / account holder | $3,038 | $4,334-29.9% | $5,894-48.5% | $8,951-66.1% |