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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 | $42,041 | $77,472-45.7% | $100,392-58.1% | $80,935-48.1% |
| Participation rate | 48.0% | 76.9%-28.9pp | 81.5%-33.5pp | 67.7%-19.7pp |
| Annual return | 8.09% | 37.26%-29.2pp | 49.45%-41.4pp | 35.66%-27.6pp |
| Employer contribution / active EE | $3,525 | $2,800+25.9% | $3,941-10.6% | $2,757+27.9% |
| Participant deferral / active EE | $8,004 | $6,818+17.4% | $8,090-1.1% | $4,299+86.2% |
| Admin fee / account holder | $3,863 | $5,885-34.4% | $7,904-51.1% | $6,924-44.2% |