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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 | $43,804 | $48,314-9.3% | $67,561-35.2% | $80,925-45.9% |
| Participation rate | 38.3% | 66.4%-28.1pp | 72.9%-34.6pp | 67.7%-29.3pp |
| Annual return | 10.27% | 18.28%-8.0pp | 3525.44%-3515.2pp | 35.65%-25.4pp |
| Employer contribution / active EE | $975 | $2,022-51.8% | $2,735-64.4% | $2,756-64.6% |
| Participant deferral / active EE | $1,603 | $2,927-45.2% | $4,003-59.9% | $4,299-62.7% |
| Admin fee / account holder | $909 | $3,690-75.4% | $4,006-77.3% | $6,940-86.9% |