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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 | $55,558 | $48,570+14.4% | $130,660-57.5% | $72,983-23.9% |
| Participation rate | 41.5% | 58.6%-17.1pp | 71.7%-30.3pp | 69.5%-28.0pp |
| Annual return | 16.20% | 38.63%-22.4pp | 1709.29%-1693.1pp | 81.01%-64.8pp |
| Employer contribution / active EE | $992 | $1,334-25.7% | $4,092-75.8% | $2,440-59.4% |
| Participant deferral / active EE | $1,194 | $2,384-49.9% | $3,603-66.9% | $3,608-66.9% |
| Admin fee / account holder | $2,114 | $3,549-40.4% | $5,463-61.3% | $5,124-58.7% |