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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 | $42,694 | $65,034-34.4% | $90,970-53.1% | $79,856-46.5% |
| Participation rate | 48.6% | 61.6%-13.0pp | 69.0%-20.4pp | 69.6%-21.1pp |
| Annual return | 5.74% | 30.45%-24.7pp | 134.60%-128.9pp | 31.71%-26.0pp |
| Employer contribution / active EE | $1,026 | $1,247-17.8% | $2,122-51.7% | $2,471-58.5% |
| Participant deferral / active EE | $1,603 | $2,512-36.2% | $3,373-52.5% | $3,741-57.1% |
| Admin fee / account holder | $1,491 | $4,536-67.1% | $5,961-75.0% | $5,306-71.9% |