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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 | $48,170 | $78,707-38.8% | $117,861-59.1% | $70,126-31.3% |
| Participation rate | 32.4% | 73.2%-40.8pp | 79.7%-47.3pp | 69.5%-37.2pp |
| Annual return | 9.96% | 23.30%-13.3pp | 335.11%-325.1pp | 73.15%-63.2pp |
| Employer contribution / active EE | $1,454 | $2,223-34.6% | $3,786-61.6% | $2,343-37.9% |
| Participant deferral / active EE | $1,860 | $3,297-43.6% | $4,482-58.5% | $3,332-44.2% |
| Admin fee / account holder | $1,465 | $5,066-71.1% | $8,021-81.7% | $4,645-68.5% |