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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 | $44,006 | $102,638-57.1% | $81,982-46.3% | $158,982-72.3% |
| Participation rate | 46.2% | 75.5%-29.4pp | 69.3%-23.1pp | 82.0%-35.8pp |
| Annual return | 4.73% | 61.05%-56.3pp | 41.31%-36.6pp | 302.99%-298.3pp |
| Employer contribution / active EE | $1,064 | $3,241-67.2% | $2,498-57.4% | $4,763-77.7% |
| Participant deferral / active EE | $3,040 | $4,649-34.6% | $3,722-18.3% | $5,983-49.2% |
| Admin fee / account holder | $1,285 | $8,237-84.4% | $5,665-77.3% | $11,252-88.6% |