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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 | $44,091 | $49,976-11.8% | $66,674-33.9% | $82,637-46.6% |
| Participation rate | 37.9% | 63.1%-25.2pp | 73.7%-35.7pp | 68.1%-30.1pp |
| Annual return | 12.10% | 39.09%-27.0pp | 321.24%-309.1pp | 53.51%-41.4pp |
| Employer contribution / active EE | $580 | $1,988-70.8% | $2,620-77.9% | $2,552-77.3% |
| Participant deferral / active EE | $1,957 | $2,847-31.3% | $4,084-52.1% | $4,126-52.6% |
| Admin fee / account holder | $2,018 | $4,594-56.1% | $5,098-60.4% | $7,339-72.5% |