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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 | $50,554-12.1% | $67,681-34.3% | $87,485-49.2% |
| Participation rate | 55.6% | 67.7%-12.2pp | 73.7%-18.2pp | 68.9%-13.4pp |
| Annual return | 8.72% | 17.81%-9.1pp | 590.58%-581.9pp | 26.06%-17.3pp |
| Employer contribution / active EE | $2,047 | $1,988+2.9% | $2,678-23.6% | $2,596-21.2% |
| Participant deferral / active EE | $1,449 | $2,961-51.1% | $3,976-63.5% | $4,274-66.1% |
| Admin fee / account holder | $1,237 | $4,132-70.1% | $6,100-79.7% | $7,775-84.1% |