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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 | $49,008 | $81,504-39.9% | $102,437-52.2% | $80,959-39.5% |
| Participation rate | 44.4% | 66.9%-22.4pp | 74.5%-30.1pp | 67.7%-23.2pp |
| Annual return | 9.74% | 25.60%-15.9pp | 24.95%-15.2pp | 35.67%-25.9pp |
| Employer contribution / active EE | $1,823 | $3,104-41.3% | $3,871-52.9% | $2,757-33.9% |
| Participant deferral / active EE | $2,241 | $3,871-42.1% | $5,060-55.7% | $4,300-47.9% |
| Admin fee / account holder | $1,175 | $6,719-82.5% | $8,388-86.0% | $6,925-83.0% |