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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 | $42,763 | $48,337-11.5% | $67,560-36.7% | $80,959-47.2% |
| Participation rate | 48.9% | 66.4%-17.5pp | 72.9%-24.0pp | 67.7%-18.8pp |
| Annual return | 11.10% | 18.26%-7.2pp | 3533.50%-3522.4pp | 35.67%-24.6pp |
| Employer contribution / active EE | $2,026 | $2,023+0.2% | $2,737-26.0% | $2,757-26.5% |
| Participant deferral / active EE | $1,666 | $2,928-43.1% | $4,004-58.4% | $4,300-61.3% |
| Admin fee / account holder | $6,183 | $3,695+67.3% | $3,994+54.8% | $6,925-10.7% |