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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 | $44,419 | $61,356-27.6% | $149,696-70.3% | $71,511-37.9% |
| Participation rate | 57.0% | 62.5%-5.5pp | 78.8%-21.8pp | 67.9%-10.9pp |
| Annual return | 10.72% | 35.86%-25.1pp | 134.46%-123.7pp | 28.86%-18.1pp |
| Employer contribution / active EE | $2,158 | $2,382-9.4% | $4,821-55.2% | $2,589-16.6% |
| Participant deferral / active EE | $2,454 | $2,920-16.0% | $5,682-56.8% | $4,291-42.8% |
| Admin fee / account holder | $3,920 | $1,263+210.4% | $13,212-70.3% | $1,588+146.8% |