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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 | $44,460 | $55,457-19.8% | $77,361-42.5% | $94,015-52.7% |
| Participation rate | 55.6% | 69.8%-14.3pp | 75.0%-19.4pp | 70.8%-15.3pp |
| Annual return | 8.72% | 15.57%-6.8pp | 1011.54%-1002.8pp | 17.84%-9.1pp |
| Employer contribution / active EE | $2,047 | $2,255-9.2% | $2,990-31.6% | $2,790-26.6% |
| Participant deferral / active EE | $1,449 | $3,069-52.8% | $3,911-62.9% | $4,249-65.9% |
| Admin fee / account holder | $1,237 | $4,334-71.5% | $5,894-79.0% | $8,951-86.2% |