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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 | $39,224 | $162,136-75.8% | $152,301-74.2% | $154,746-74.7% |
| Participation rate | 44.4% | 84.1%-39.7pp | 82.4%-38.0pp | 80.7%-36.3pp |
| Annual return | 4.34% | 91.02%-86.7pp | 80.50%-76.2pp | 172.34%-168.0pp |
| Employer contribution / active EE | $1,986 | $4,890-59.4% | $4,624-57.1% | $4,379-54.7% |
| Participant deferral / active EE | $4,847 | $8,341-41.9% | $8,004-39.4% | $6,730-28.0% |
| Admin fee / account holder | $38,913 | $15,759+146.9% | $14,398+170.3% | $14,365+170.9% |