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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 | $38,445 | $54,757-29.8% | $90,304-57.4% | $72,975-47.3% |
| Participation rate | 56.3% | 65.2%-8.9pp | 73.3%-17.0pp | 69.5%-13.2pp |
| Annual return | 11.30% | 30.63%-19.3pp | 78.13%-66.8pp | 81.01%-69.7pp |
| Employer contribution / active EE | $4,716 | $2,093+125.3% | $2,855+65.2% | $2,440+93.3% |
| Participant deferral / active EE | $0 | $2,887-100.0% | $3,885-100.0% | $3,608-100.0% |
| Admin fee / account holder | $3,236 | $3,973-18.6% | $5,354-39.6% | $5,124-36.8% |