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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 | $40,674 | $53,837-24.4% | $75,714-46.3% | $85,847-52.6% |
| Participation rate | 46.2% | 69.1%-22.9pp | 74.8%-28.7pp | 69.3%-23.2pp |
| Annual return | 12.48% | 24.54%-12.1pp | 104.62%-92.1pp | 318.61%-306.1pp |
| Employer contribution / active EE | $1,354 | $2,017-32.9% | $2,744-50.6% | $2,565-47.2% |
| Participant deferral / active EE | $3,515 | $2,895+21.4% | $3,820-8.0% | $3,952-11.1% |
| Admin fee / account holder | $952 | $3,339-71.5% | $3,619-73.7% | $6,261-84.8% |