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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 | $41,441 | $95,406-56.6% | $185,849-77.7% | $85,847-51.7% |
| Participation rate | 45.2% | 68.8%-23.5pp | 81.7%-36.5pp | 69.3%-24.1pp |
| Annual return | 11.43% | 23.59%-12.2pp | 122.10%-110.7pp | 318.61%-307.2pp |
| Employer contribution / active EE | $1,153 | $3,314-65.2% | $5,169-77.7% | $2,565-55.0% |
| Participant deferral / active EE | $1,647 | $3,424-51.9% | $5,569-70.4% | $3,952-58.3% |
| Admin fee / account holder | $2,834 | $7,214-60.7% | $16,244-82.6% | $6,261-54.7% |