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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 | $46,907 | $58,099-19.3% | $76,902-39.0% | $75,177-37.6% |
| Participation rate | 48.2% | 63.9%-15.7pp | 69.6%-21.4pp | 67.2%-19.0pp |
| Annual return | 11.38% | 26.71%-15.3pp | 37.91%-26.5pp | 160.75%-149.4pp |
| Employer contribution / active EE | $441 | $1,996-77.9% | $2,534-82.6% | $2,671-83.5% |
| Participant deferral / active EE | $1,700 | $2,999-43.3% | $3,833-55.7% | $4,126-58.8% |
| Admin fee / account holder | $3,799 | $4,778-20.5% | $5,479-30.6% | $5,651-32.8% |