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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 | $44,805 | $78,672-43.0% | $109,163-59.0% | $85,856-47.8% |
| Participation rate | 44.2% | 68.3%-24.1pp | 75.9%-31.7pp | 69.3%-25.1pp |
| Annual return | 8.96% | 25.09%-16.1pp | 25.75%-16.8pp | 318.58%-309.6pp |
| Employer contribution / active EE | $1,752 | $2,734-35.9% | $3,723-52.9% | $2,565-31.7% |
| Participant deferral / active EE | $3,285 | $3,467-5.3% | $4,654-29.4% | $3,952-16.9% |
| Admin fee / account holder | $13,467 | $5,470+146.2% | $6,754+99.4% | $6,261+115.1% |