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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 | $45,052 | $47,944-6.0% | $67,834-33.6% | $62,881-28.4% |
| Participation rate | 56.3% | 61.1%-4.8pp | 68.8%-12.5pp | 69.3%-13.1pp |
| Annual return | 4.26% | 11.77%-7.5pp | 138.47%-134.2pp | 20.14%-15.9pp |
| Employer contribution / active EE | $985 | $1,562-37.0% | $2,403-59.0% | $2,281-56.8% |
| Participant deferral / active EE | $1,832 | $2,247-18.5% | $3,160-42.0% | $3,203-42.8% |
| Admin fee / account holder | $5,210 | $3,712+40.4% | $4,622+12.7% | $4,296+21.3% |