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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 | $41,807 | $110,278-62.1% | $95,740-56.3% | $139,466-70.0% |
| Participation rate | 57.1% | 75.7%-18.6pp | 72.3%-15.1pp | 80.3%-23.2pp |
| Annual return | 5.59% | 27.19%-21.6pp | 28.41%-22.8pp | 373.66%-368.1pp |
| Employer contribution / active EE | $2,035 | $3,260-37.6% | $2,836-28.3% | $4,754-57.2% |
| Participant deferral / active EE | $2,035 | $4,674-56.5% | $4,244-52.1% | $6,712-69.7% |
| Admin fee / account holder | $3,094 | $6,613-53.2% | $5,676-45.5% | $11,409-72.9% |