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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 | $47,210 | $78,690-40.0% | $161,489-70.8% | $87,485-46.0% |
| Participation rate | 57.1% | 67.5%-10.3pp | 78.7%-21.6pp | 68.9%-11.8pp |
| Annual return | 9.06% | 32.74%-23.7pp | 89.72%-80.7pp | 26.06%-17.0pp |
| Employer contribution / active EE | $1,573 | $2,588-39.2% | $4,268-63.1% | $2,596-39.4% |
| Participant deferral / active EE | $3,731 | $3,311+12.7% | $5,630-33.7% | $4,274-12.7% |
| Admin fee / account holder | $7,003 | $6,724+4.1% | $16,006-56.2% | $7,775-9.9% |