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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 | $48,472 | $81,331-40.4% | $155,534-68.8% | $80,935-40.1% |
| Participation rate | 21.4% | 66.3%-44.8pp | 78.2%-56.8pp | 67.7%-46.2pp |
| Annual return | 6.94% | 33.37%-26.4pp | 64.92%-58.0pp | 35.66%-28.7pp |
| Employer contribution / active EE | $746 | $3,105-76.0% | $4,675-84.1% | $2,757-73.0% |
| Participant deferral / active EE | $2,662 | $3,454-22.9% | $5,630-52.7% | $4,299-38.1% |
| Admin fee / account holder | $2,500 | $7,999-68.7% | $15,900-84.3% | $6,924-63.9% |