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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 | $46,748 | $76,407-38.8% | $150,298-68.9% | $82,448-43.3% |
| Participation rate | 36.2% | 66.4%-30.2pp | 77.8%-41.6pp | 68.1%-31.9pp |
| Annual return | 12.68% | 39.99%-27.3pp | 62.79%-50.1pp | 41.64%-29.0pp |
| Employer contribution / active EE | $766 | $2,614-70.7% | $4,154-81.5% | $2,551-70.0% |
| Participant deferral / active EE | $2,192 | $3,214-31.8% | $5,453-59.8% | $4,139-47.0% |
| Admin fee / account holder | $844 | $6,352-86.7% | $14,116-94.0% | $7,234-88.3% |