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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 | $49,316 | $77,814-36.6% | $158,223-68.8% | $86,983-43.3% |
| Participation rate | 41.4% | 68.4%-27.0pp | 79.2%-37.8pp | 69.5%-28.2pp |
| Annual return | 8.45% | 30.54%-22.1pp | 52.09%-43.6pp | 25.83%-17.4pp |
| Employer contribution / active EE | $1,038 | $2,592-60.0% | $4,109-74.7% | $2,584-59.8% |
| Participant deferral / active EE | $1,227 | $3,270-62.5% | $5,467-77.6% | $4,194-70.7% |
| Admin fee / account holder | $10,223 | $5,879+73.9% | $16,047-36.3% | $7,856+30.1% |