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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 | $40,002 | $77,449-48.4% | $69,483-42.4% | $152,909-73.8% |
| Participation rate | 37.5% | 78.1%-40.6pp | 74.6%-37.1pp | 82.5%-45.0pp |
| Annual return | 3.44% | 39.09%-35.7pp | 28.99%-25.5pp | 345.46%-342.0pp |
| Employer contribution / active EE | $2,004 | $3,316-39.6% | $2,780-27.9% | $4,764-57.9% |
| Participant deferral / active EE | $2,072 | $4,415-53.1% | $3,537-41.4% | $5,851-64.6% |
| Admin fee / account holder | $8,428 | $6,210+35.7% | $3,841+119.4% | $11,601-27.4% |