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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 | $43,570 | $49,199-11.4% | $121,210-64.1% | $75,177-42.0% |
| Participation rate | 38.3% | 55.4%-17.1pp | 69.5%-31.2pp | 67.2%-28.9pp |
| Annual return | 12.11% | 56.04%-43.9pp | 987.41%-975.3pp | 160.75%-148.6pp |
| Employer contribution / active EE | $966 | $1,547-37.6% | $4,171-76.8% | $2,671-63.8% |
| Participant deferral / active EE | $3,230 | $2,630+22.8% | $4,084-20.9% | $4,126-21.7% |
| Admin fee / account holder | $1,039 | $3,946-73.7% | $5,647-81.6% | $5,651-81.6% |