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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 | $26,605 | $45,900-42.0% | $94,057-71.7% | $64,340-58.6% |
| Participation rate | 43.2% | 50.6%-7.3pp | 73.3%-30.1pp | 55.2%-12.0pp |
| Annual return | 10.29% | 50.47%-40.2pp | 480.62%-470.3pp | 24.14%-13.9pp |
| Employer contribution / active EE | $1,253 | $1,612-22.3% | $2,933-57.3% | $1,862-32.7% |
| Participant deferral / active EE | $1,768 | $2,102-15.9% | $4,709-62.5% | $2,980-40.7% |
| Admin fee / account holder | $6,166 | $3,143+96.2% | $7,244-14.9% | $3,703+66.5% |