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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 | $40,402 | $153,769-73.7% | $133,975-69.8% | $273,972-85.3% |
| Participation rate | 40.0% | 88.4%-48.4pp | 87.1%-47.1pp | 83.0%-43.0pp |
| Annual return | 1.11% | 36.51%-35.4pp | 29.29%-28.2pp | 41.46%-40.3pp |
| Employer contribution / active EE | $3,323 | $6,029-44.9% | $5,211-36.2% | $4,869-31.7% |
| Participant deferral / active EE | $5,346 | $6,958-23.2% | $6,282-14.9% | $5,287+1.1% |
| Admin fee / account holder | $2,191 | $11,765-81.4% | $9,324-76.5% | $10,133-78.4% |