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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 | $78,765 | $93,345-15.6% | $119,126-33.9% | $87,485-10.0% |
| Participation rate | 43.6% | 68.7%-25.1pp | 75.8%-32.1pp | 68.9%-25.3pp |
| Annual return | 3.57% | 19.08%-15.5pp | 282.11%-278.5pp | 26.06%-22.5pp |
| Employer contribution / active EE | $2,038 | $3,172-35.7% | $4,034-49.5% | $2,596-21.5% |
| Participant deferral / active EE | $3,707 | $4,099-9.6% | $5,318-30.3% | $4,274-13.3% |
| Admin fee / account holder | $745 | $8,039-90.7% | $10,693-93.0% | $7,775-90.4% |