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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 | $44,064 | $208,088-78.8% | $186,193-76.3% | $154,746-71.5% |
| Participation rate | 43.8% | 80.0%-36.2pp | 77.1%-33.4pp | 80.7%-37.0pp |
| Annual return | 5.42% | 89.97%-84.5pp | 78.03%-72.6pp | 172.34%-166.9pp |
| Employer contribution / active EE | $1,022 | $4,340-76.5% | $3,918-73.9% | $4,379-76.7% |
| Participant deferral / active EE | $2,035 | $7,078-71.2% | $6,513-68.7% | $6,730-69.8% |
| Admin fee / account holder | $7,593 | $11,698-35.1% | $11,058-31.3% | $14,365-47.1% |