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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 | $45,296 | $49,976-9.4% | $66,674-32.1% | $82,637-45.2% |
| Participation rate | 52.9% | 63.1%-10.2pp | 73.7%-20.7pp | 68.1%-15.1pp |
| Annual return | 12.71% | 39.09%-26.4pp | 321.24%-308.5pp | 53.51%-40.8pp |
| Employer contribution / active EE | $832 | $1,988-58.2% | $2,620-68.2% | $2,552-67.4% |
| Participant deferral / active EE | $1,232 | $2,847-56.7% | $4,084-69.8% | $4,126-70.1% |
| Admin fee / account holder | $3,753 | $4,594-18.3% | $5,098-26.4% | $7,339-48.9% |