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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 | $55,700 | $111,535-50.1% | $105,223-47.1% | $137,256-59.4% |
| Participation rate | 44.4% | 78.1%-33.6pp | 75.0%-30.6pp | 80.0%-35.5pp |
| Annual return | 3.91% | 237.85%-233.9pp | 180.65%-176.7pp | 220.34%-216.4pp |
| Employer contribution / active EE | $1,096 | $3,939-72.2% | $3,689-70.3% | $4,156-73.6% |
| Participant deferral / active EE | $1,912 | $5,500-65.2% | $5,072-62.3% | $6,407-70.2% |
| Admin fee / account holder | $1,154 | $9,721-88.1% | $8,859-87.0% | $12,270-90.6% |