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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 | $40,550 | $55,889-27.4% | $76,119-46.7% | $80,935-49.9% |
| Participation rate | 52.0% | 62.1%-10.1pp | 69.1%-17.1pp | 67.7%-15.7pp |
| Annual return | 9.11% | 20.58%-11.5pp | 361.25%-352.1pp | 35.66%-26.6pp |
| Employer contribution / active EE | $626 | $1,866-66.4% | $2,693-76.7% | $2,757-77.3% |
| Participant deferral / active EE | $2,598 | $3,051-14.9% | $4,259-39.0% | $4,299-39.6% |
| Admin fee / account holder | $4,632 | $5,241-11.6% | $6,421-27.9% | $6,924-33.1% |