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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 | $44,339 | $71,057-37.6% | $93,654-52.7% | $80,874-45.2% |
| Participation rate | 42.9% | 60.4%-17.5pp | 68.7%-25.9pp | 67.6%-24.8pp |
| Annual return | 7.97% | 11.26%-3.3pp | 133.34%-125.4pp | 35.62%-27.6pp |
| Employer contribution / active EE | $1,043 | $1,564-33.3% | $2,421-56.9% | $2,756-62.1% |
| Participant deferral / active EE | $1,822 | $4,034-54.8% | $4,413-58.7% | $4,297-57.6% |
| Admin fee / account holder | $7,601 | $6,944+9.5% | $8,282-8.2% | $6,935+9.6% |