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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 | $46,745 | $54,757-14.6% | $90,304-48.2% | $72,975-35.9% |
| Participation rate | 30.4% | 65.2%-34.8pp | 73.3%-42.9pp | 69.5%-39.1pp |
| Annual return | 15.60% | 30.63%-15.0pp | 78.13%-62.5pp | 81.01%-65.4pp |
| Employer contribution / active EE | $528 | $2,093-74.8% | $2,855-81.5% | $2,440-78.3% |
| Participant deferral / active EE | $1,779 | $2,887-38.4% | $3,885-54.2% | $3,608-50.7% |
| Admin fee / account holder | $1,745 | $3,973-56.1% | $5,354-67.4% | $5,124-65.9% |