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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 | $48,168 | $60,442-20.3% | $96,754-50.2% | $87,485-44.9% |
| Participation rate | 20.7% | 58.7%-38.0pp | 70.3%-49.6pp | 68.9%-48.2pp |
| Annual return | 12.38% | 21.97%-9.6pp | 82.04%-69.7pp | 26.06%-13.7pp |
| Employer contribution / active EE | $607 | $1,691-64.1% | $2,679-77.4% | $2,596-76.6% |
| Participant deferral / active EE | $877 | $3,280-73.3% | $4,758-81.6% | $4,274-79.5% |
| Admin fee / account holder | $1,214 | $5,069-76.1% | $8,905-86.4% | $7,775-84.4% |