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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 | $29,014 | $48,053-39.6% | $84,628-65.7% | $72,975-60.2% |
| Participation rate | 45.5% | 57.6%-12.1pp | 68.2%-22.8pp | 69.5%-24.0pp |
| Annual return | 16.81% | 37.39%-20.6pp | 258.80%-242.0pp | 81.01%-64.2pp |
| Employer contribution / active EE | $381 | $1,602-76.2% | $2,653-85.6% | $2,440-84.4% |
| Participant deferral / active EE | $5,172 | $2,681+92.9% | $3,900+32.6% | $3,608+43.3% |
| Admin fee / account holder | $5,808 | $3,395+71.1% | $4,914+18.2% | $5,124+13.4% |