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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 | $40,890 | $48,364-15.5% | $71,796-43.0% | $62,891-35.0% |
| Participation rate | 32.1% | 60.6%-28.5pp | 69.1%-37.0pp | 69.3%-37.2pp |
| Annual return | 3.49% | 13.16%-9.7pp | 78.04%-74.6pp | 20.14%-16.7pp |
| Employer contribution / active EE | $353 | $1,042-66.1% | $1,924-81.7% | $2,281-84.5% |
| Participant deferral / active EE | $1,292 | $2,091-38.2% | $2,794-53.8% | $3,203-59.7% |
| Admin fee / account holder | $1,714 | $3,771-54.5% | $4,815-64.4% | $4,296-60.1% |