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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 | $42,428 | $77,638-45.4% | $156,551-72.9% | $62,881-32.5% |
| Participation rate | 42.6% | 71.2%-28.6pp | 84.0%-41.4pp | 69.3%-26.7pp |
| Annual return | 4.32% | 50.33%-46.0pp | 32.23%-27.9pp | 20.14%-15.8pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $5,501-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $1,378 | $3,046-54.8% | $4,871-71.7% | $3,203-57.0% |
| Admin fee / account holder | $2,426 | $5,561-56.4% | $13,028-81.4% | $4,296-43.5% |