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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 | $43,155 | $45,343-4.8% | $150,298-71.3% | $67,986-36.5% |
| Participation rate | 48.0% | 51.9%-3.8pp | 77.8%-29.7pp | 57.2%-9.2pp |
| Annual return | 11.52% | 33.28%-21.8pp | 62.79%-51.3pp | 31.67%-20.1pp |
| Employer contribution / active EE | $362 | $1,462-75.2% | $4,154-91.3% | $2,019-82.1% |
| Participant deferral / active EE | $2,621 | $2,055+27.5% | $5,453-51.9% | $3,358-22.0% |
| Admin fee / account holder | $3,658 | $2,250+62.6% | $14,116-74.1% | $3,203+14.2% |