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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 | $43,191 | $135,956-68.2% | $123,894-65.1% | $273,972-84.2% |
| Participation rate | 61.5% | 84.1%-22.5pp | 81.4%-19.9pp | 83.0%-21.5pp |
| Annual return | 1.23% | 56.63%-55.4pp | 47.52%-46.3pp | 41.46%-40.2pp |
| Employer contribution / active EE | $12,295 | $5,170+137.8% | $4,617+166.3% | $4,869+152.5% |
| Participant deferral / active EE | $13,854 | $6,343+118.4% | $5,984+131.5% | $5,287+162.0% |
| Admin fee / account holder | $4,104 | $9,817-58.2% | $8,357-50.9% | $10,133-59.5% |