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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 | $43,268 | $61,391-29.5% | $149,723-71.1% | $71,529-39.5% |
| Participation rate | 48.0% | 62.5%-14.5pp | 78.8%-30.8pp | 67.9%-19.9pp |
| Annual return | 9.70% | 35.88%-26.2pp | 134.50%-124.8pp | 28.97%-19.3pp |
| Employer contribution / active EE | $1,321 | $2,384-44.6% | $4,821-72.6% | $2,590-49.0% |
| Participant deferral / active EE | $1,551 | $2,921-46.9% | $5,682-72.7% | $4,291-63.8% |
| Admin fee / account holder | $2,020 | $1,264+59.8% | $13,215-84.7% | $1,588+27.2% |