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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 | $75,241 | $49,024+53.5% | $112,860-33.3% | $87,485-14.0% |
| Participation rate | 48.0% | 62.2%-14.2pp | 66.3%-18.3pp | 68.9%-20.9pp |
| Annual return | 12.86% | 43.86%-31.0pp | 35.26%-22.4pp | 26.06%-13.2pp |
| Employer contribution / active EE | $866 | $1,290-32.9% | $2,206-60.8% | $2,596-66.7% |
| Participant deferral / active EE | $2,304 | $2,209+4.3% | $3,493-34.0% | $4,274-46.1% |
| Admin fee / account holder | $3,271 | $6,266-47.8% | $6,841-52.2% | $7,775-57.9% |