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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 | $44,723 | $51,638-13.4% | $68,368-34.6% | $82,448-45.8% |
| Participation rate | 56.8% | 63.6%-6.9pp | 73.8%-17.0pp | 68.1%-11.3pp |
| Annual return | 11.56% | 37.53%-26.0pp | 292.57%-281.0pp | 41.64%-30.1pp |
| Employer contribution / active EE | $1,941 | $2,047-5.2% | $2,649-26.7% | $2,551-23.9% |
| Participant deferral / active EE | $4,019 | $2,914+38.0% | $4,123-2.5% | $4,139-2.9% |
| Admin fee / account holder | $9,214 | $4,643+98.4% | $5,150+78.9% | $7,234+27.4% |