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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 | $45,921 | $55,457-17.2% | $77,361-40.6% | $94,015-51.2% |
| Participation rate | 56.7% | 69.8%-13.2pp | 75.0%-18.3pp | 70.8%-14.2pp |
| Annual return | 7.27% | 15.57%-8.3pp | 1011.54%-1004.3pp | 17.84%-10.6pp |
| Employer contribution / active EE | $1,227 | $2,255-45.6% | $2,990-58.9% | $2,790-56.0% |
| Participant deferral / active EE | $4,315 | $3,069+40.6% | $3,911+10.3% | $4,249+1.5% |
| Admin fee / account holder | $21,917 | $4,334+405.7% | $5,894+271.9% | $8,951+144.9% |