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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 | $44,604 | $48,337-7.7% | $67,560-34.0% | $80,959-44.9% |
| Participation rate | 44.4% | 66.4%-22.0pp | 72.9%-28.5pp | 67.7%-23.2pp |
| Annual return | 9.16% | 18.26%-9.1pp | 3533.50%-3524.3pp | 35.67%-26.5pp |
| Employer contribution / active EE | $467 | $2,023-76.9% | $2,737-82.9% | $2,757-83.1% |
| Participant deferral / active EE | $2,091 | $2,928-28.6% | $4,004-47.8% | $4,300-51.4% |
| Admin fee / account holder | $17,458 | $3,695+372.4% | $3,994+337.1% | $6,925+152.1% |