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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 | $47,934 | $55,457-13.6% | $77,361-38.0% | $94,015-49.0% |
| Participation rate | 43.2% | 69.8%-26.6pp | 75.0%-31.7pp | 70.8%-27.6pp |
| Annual return | 7.48% | 15.57%-8.1pp | 1011.54%-1004.1pp | 17.84%-10.4pp |
| Employer contribution / active EE | $967 | $2,255-57.1% | $2,990-67.6% | $2,790-65.3% |
| Participant deferral / active EE | $1,182 | $3,069-61.5% | $3,911-69.8% | $4,249-72.2% |
| Admin fee / account holder | $3,645 | $4,334-15.9% | $5,894-38.1% | $8,951-59.3% |