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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 | $43,087 | $98,776-56.4% | $149,745-71.2% | $79,856-46.0% |
| Participation rate | 54.1% | 75.8%-21.7pp | 82.5%-28.4pp | 69.6%-15.6pp |
| Annual return | 11.24% | 27.38%-16.1pp | 276.72%-265.5pp | 31.71%-20.5pp |
| Employer contribution / active EE | $992 | $3,217-69.2% | $4,646-78.6% | $2,471-59.9% |
| Participant deferral / active EE | $3,767 | $5,681-33.7% | $6,843-45.0% | $3,741+0.7% |
| Admin fee / account holder | $6,522 | $6,053+7.8% | $9,312-30.0% | $5,306+22.9% |