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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 | $49,004 | $86,891-43.6% | $142,516-65.6% | $75,173-34.8% |
| Participation rate | 25.3% | 68.5%-43.2pp | 76.8%-51.5pp | 67.2%-41.9pp |
| Annual return | 9.58% | 23.31%-13.7pp | 19.99%-10.4pp | 160.72%-151.1pp |
| Employer contribution / active EE | $1,114 | $3,355-66.8% | $4,849-77.0% | $2,671-58.3% |
| Participant deferral / active EE | $1,945 | $4,938-60.6% | $6,280-69.0% | $4,126-52.9% |
| Admin fee / account holder | $346 | $7,299-95.3% | $10,008-96.5% | $5,651-93.9% |