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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 | $38,859 | $79,955-51.4% | $98,461-60.5% | $75,173-48.3% |
| Participation rate | 48.9% | 70.4%-21.4pp | 75.2%-26.2pp | 67.2%-18.3pp |
| Annual return | 12.35% | 19.75%-7.4pp | 21.17%-8.8pp | 160.72%-148.4pp |
| Employer contribution / active EE | $1,270 | $2,264-43.9% | $3,049-58.3% | $2,671-52.4% |
| Participant deferral / active EE | $2,161 | $3,752-42.4% | $4,738-54.4% | $4,126-47.6% |
| Admin fee / account holder | $2,497 | $6,841-63.5% | $8,961-72.1% | $5,651-55.8% |