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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 | $40,945 | $58,275-29.7% | $81,844-50.0% | $80,935-49.4% |
| Participation rate | 50.0% | 63.5%-13.5pp | 72.4%-22.4pp | 67.7%-17.7pp |
| Annual return | 10.27% | 41.82%-31.5pp | 778.87%-768.6pp | 35.66%-25.4pp |
| Employer contribution / active EE | $472 | $2,346-79.9% | $2,916-83.8% | $2,757-82.9% |
| Participant deferral / active EE | $2,073 | $3,285-36.9% | $4,323-52.1% | $4,299-51.8% |
| Admin fee / account holder | $3,184 | $4,749-33.0% | $7,355-56.7% | $6,924-54.0% |