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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 | $74,591 | $110,379-32.4% | $102,412-27.2% | $145,884-48.9% |
| Participation rate | 42.9% | 77.9%-35.1pp | 74.5%-31.6pp | 80.3%-37.4pp |
| Annual return | 4.12% | 24.84%-20.7pp | 24.94%-20.8pp | 551.85%-547.7pp |
| Employer contribution / active EE | $1,549 | $4,216-63.3% | $3,870-60.0% | $4,662-66.8% |
| Participant deferral / active EE | $2,306 | $5,622-59.0% | $5,060-54.4% | $6,690-65.5% |
| Admin fee / account holder | $4,198 | $9,745-56.9% | $8,388-50.0% | $13,392-68.7% |