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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 | $45,650 | $99,053-53.9% | $88,179-48.2% | $138,895-67.1% |
| Participation rate | 55.6% | 74.2%-18.7pp | 69.1%-13.6pp | 79.9%-24.4pp |
| Annual return | 4.16% | 78.17%-74.0pp | 64.97%-60.8pp | 145.39%-141.2pp |
| Employer contribution / active EE | $667 | $2,882-76.8% | $2,549-73.8% | $4,194-84.1% |
| Participant deferral / active EE | $4,768 | $5,225-8.8% | $4,614+3.3% | $6,396-25.5% |
| Admin fee / account holder | $6,541 | $8,748-25.2% | $7,673-14.8% | $12,562-47.9% |