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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 | $47,855 | $124,980-61.7% | $108,359-55.8% | $154,746-69.1% |
| Participation rate | 60.0% | 75.2%-15.2pp | 70.1%-10.1pp | 80.7%-20.7pp |
| Annual return | 3.26% | 45.00%-41.7pp | 36.89%-33.6pp | 172.34%-169.1pp |
| Employer contribution / active EE | $1,534 | $2,851-46.2% | $2,399-36.1% | $4,379-65.0% |
| Participant deferral / active EE | $10,113 | $4,743+113.2% | $4,137+144.5% | $6,730+50.3% |
| Admin fee / account holder | $15,323 | $11,502+33.2% | $9,741+57.3% | $14,365+6.7% |