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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 | $38,964 | $80,985-51.9% | $96,576-59.7% | $75,181-48.2% |
| Participation rate | 47.8% | 71.8%-24.0pp | 76.0%-28.2pp | 67.2%-19.4pp |
| Annual return | 11.02% | 27.05%-16.0pp | 25.87%-14.8pp | 160.69%-149.7pp |
| Employer contribution / active EE | $1,247 | $2,282-45.4% | $2,965-57.9% | $2,671-53.3% |
| Participant deferral / active EE | $2,506 | $3,929-36.2% | $4,851-48.3% | $4,126-39.3% |
| Admin fee / account holder | $7,991 | $6,719+18.9% | $8,253-3.2% | $5,650+41.4% |