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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 | $57,010 | $62,672-9.0% | $185,117-69.2% | $70,126-18.7% |
| Participation rate | 48.5% | 63.8%-15.3pp | 77.3%-28.8pp | 69.5%-21.1pp |
| Annual return | 12.65% | 40.79%-28.1pp | 40.50%-27.8pp | 73.15%-60.5pp |
| Employer contribution / active EE | $403 | $1,753-77.0% | $4,182-90.4% | $2,343-82.8% |
| Participant deferral / active EE | $2,980 | $3,272-8.9% | $5,045-40.9% | $3,332-10.6% |
| Admin fee / account holder | $3,394 | $3,932-13.7% | $8,159-58.4% | $4,645-26.9% |