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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 | $47,982 | $58,828-18.4% | $78,002-38.5% | $62,881-23.7% |
| Participation rate | 51.0% | 71.1%-20.1pp | 75.5%-24.5pp | 69.3%-18.3pp |
| Annual return | 4.26% | 17.16%-12.9pp | 425.99%-421.7pp | 20.14%-15.9pp |
| Employer contribution / active EE | $523 | $1,672-68.7% | $2,470-78.8% | $2,281-77.1% |
| Participant deferral / active EE | $2,134 | $2,686-20.5% | $3,497-39.0% | $3,203-33.4% |
| Admin fee / account holder | $576 | $4,393-86.9% | $5,481-89.5% | $4,296-86.6% |