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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 | $39,494 | $72,269-45.4% | $101,271-61.0% | $79,852-50.5% |
| Participation rate | 45.2% | 68.5%-23.2pp | 75.8%-30.6pp | 69.6%-24.4pp |
| Annual return | 10.57% | 22.29%-11.7pp | 46.48%-35.9pp | 31.72%-21.1pp |
| Employer contribution / active EE | $949 | $2,692-64.7% | $3,660-74.1% | $2,471-61.6% |
| Participant deferral / active EE | $2,278 | $3,282-30.6% | $4,371-47.9% | $3,740-39.1% |
| Admin fee / account holder | $1,374 | $4,401-68.8% | $5,948-76.9% | $5,306-74.1% |