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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 | $49,059 | $58,234-15.8% | $81,783-40.0% | $80,874-39.3% |
| Participation rate | 60.0% | 63.4%-3.4pp | 72.4%-12.4pp | 67.6%-7.6pp |
| Annual return | 8.49% | 41.70%-33.2pp | 775.05%-766.6pp | 35.62%-27.1pp |
| Employer contribution / active EE | $1,317 | $2,341-43.7% | $2,913-54.8% | $2,756-52.2% |
| Participant deferral / active EE | $2,812 | $3,283-14.4% | $4,320-34.9% | $4,297-34.6% |
| Admin fee / account holder | $6,654 | $4,982+33.6% | $7,380-9.8% | $6,935-4.1% |