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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 | $47,498 | $98,766-51.9% | $149,730-68.3% | $79,852-40.5% |
| Participation rate | 43.8% | 75.8%-32.0pp | 82.5%-38.7pp | 69.6%-25.9pp |
| Annual return | 7.92% | 27.43%-19.5pp | 276.70%-268.8pp | 31.72%-23.8pp |
| Employer contribution / active EE | $1,704 | $3,217-47.0% | $4,645-63.3% | $2,471-31.0% |
| Participant deferral / active EE | $2,965 | $5,681-47.8% | $6,843-56.7% | $3,740-20.7% |
| Admin fee / account holder | $2,850 | $6,052-52.9% | $9,310-69.4% | $5,306-46.3% |