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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 | $44,564 | $45,343-1.7% | $150,298-70.3% | $67,986-34.5% |
| Participation rate | 33.1% | 51.9%-18.8pp | 77.8%-44.7pp | 57.2%-24.1pp |
| Annual return | 11.16% | 33.28%-22.1pp | 62.79%-51.6pp | 31.67%-20.5pp |
| Employer contribution / active EE | $808 | $1,462-44.7% | $4,154-80.5% | $2,019-60.0% |
| Participant deferral / active EE | $1,258 | $2,055-38.8% | $5,453-76.9% | $3,358-62.5% |
| Admin fee / account holder | $888 | $2,250-60.6% | $14,116-93.7% | $3,203-72.3% |