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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 | $46,512 | $83,369-44.2% | $105,223-55.8% | $67,986-31.6% |
| Participation rate | 43.8% | 56.3%-12.5pp | 75.0%-31.2pp | 57.2%-13.4pp |
| Annual return | 12.77% | 24.64%-11.9pp | 180.65%-167.9pp | 31.67%-18.9pp |
| Employer contribution / active EE | $1,191 | $2,541-53.1% | $3,689-67.7% | $2,019-41.0% |
| Participant deferral / active EE | $2,504 | $3,295-24.0% | $5,072-50.6% | $3,358-25.4% |
| Admin fee / account holder | $3,907 | $4,073-4.1% | $8,859-55.9% | $3,203+22.0% |