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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 | $41,676 | $50,082-16.8% | $93,419-55.4% | $79,852-47.8% |
| Participation rate | 49.3% | 60.9%-11.6pp | 66.8%-17.5pp | 69.6%-20.3pp |
| Annual return | 7.59% | 24.59%-17.0pp | 78.05%-70.5pp | 31.72%-24.1pp |
| Employer contribution / active EE | $646 | $1,303-50.4% | $2,075-68.9% | $2,471-73.9% |
| Participant deferral / active EE | $1,840 | $2,212-16.8% | $3,126-41.1% | $3,740-50.8% |
| Admin fee / account holder | $1,161 | $3,454-66.4% | $5,230-77.8% | $5,306-78.1% |