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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 | $44,888 | $53,128-15.5% | $86,582-48.2% | $70,126-36.0% |
| Participation rate | 48.3% | 65.3%-17.0pp | 73.5%-25.3pp | 69.5%-21.3pp |
| Annual return | 10.97% | 27.66%-16.7pp | 965.08%-954.1pp | 73.15%-62.2pp |
| Employer contribution / active EE | $911 | $2,068-55.9% | $2,839-67.9% | $2,343-61.1% |
| Participant deferral / active EE | $2,067 | $2,695-23.3% | $3,609-42.7% | $3,332-38.0% |
| Admin fee / account holder | $2,960 | $3,584-17.4% | $4,904-39.7% | $4,645-36.3% |