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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 | $46,970 | $76,407-38.5% | $150,298-68.7% | $82,448-43.0% |
| Participation rate | 44.8% | 66.4%-21.6pp | 77.8%-32.9pp | 68.1%-23.2pp |
| Annual return | 11.17% | 39.99%-28.8pp | 62.79%-51.6pp | 41.64%-30.5pp |
| Employer contribution / active EE | $561 | $2,614-78.5% | $4,154-86.5% | $2,551-78.0% |
| Participant deferral / active EE | $1,146 | $3,214-64.4% | $5,453-79.0% | $4,139-72.3% |
| Admin fee / account holder | $6,866 | $6,352+8.1% | $14,116-51.4% | $7,234-5.1% |