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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 | $51,471 | $45,126+14.1% | $85,187-39.6% | $74,459-30.9% |
| Participation rate | 48.3% | 49.4%-1.0pp | 67.5%-19.2pp | 67.2%-18.9pp |
| Annual return | 9.69% | 26.30%-16.6pp | 66.67%-57.0pp | 1369.70%-1360.0pp |
| Employer contribution / active EE | $391 | $1,460-73.3% | $2,732-85.7% | $2,626-85.1% |
| Participant deferral / active EE | $2,292 | $2,738-16.3% | $4,525-49.3% | $4,350-47.3% |
| Admin fee / account holder | $4,229 | $2,212+91.2% | $6,162-31.4% | $1,945+117.5% |