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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 | $47,582 | $81,487-41.6% | $102,412-53.5% | $80,935-41.2% |
| Participation rate | 27.7% | 66.8%-39.2pp | 74.5%-46.8pp | 67.7%-40.0pp |
| Annual return | 10.45% | 25.60%-15.1pp | 24.94%-14.5pp | 35.66%-25.2pp |
| Employer contribution / active EE | $1,167 | $3,103-62.4% | $3,870-69.8% | $2,757-57.7% |
| Participant deferral / active EE | $1,660 | $3,871-57.1% | $5,060-67.2% | $4,299-61.4% |
| Admin fee / account holder | $9,574 | $6,717+42.5% | $8,388+14.1% | $6,924+38.3% |