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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 | $45,593 | $101,798-55.2% | $165,071-72.4% | $80,935-43.7% |
| Participation rate | 48.6% | 71.8%-23.2pp | 78.6%-30.0pp | 67.7%-19.0pp |
| Annual return | 8.30% | 16.73%-8.4pp | 70.17%-61.9pp | 35.66%-27.4pp |
| Employer contribution / active EE | $987 | $2,954-66.6% | $4,347-77.3% | $2,757-64.2% |
| Participant deferral / active EE | $2,047 | $4,476-54.3% | $6,035-66.1% | $4,299-52.4% |
| Admin fee / account holder | $2,370 | $8,221-71.2% | $12,695-81.3% | $6,924-65.8% |