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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 | $41,102 | $106,524-61.4% | $152,301-73.0% | $87,485-53.0% |
| Participation rate | 51.9% | 75.8%-23.9pp | 82.4%-30.6pp | 68.9%-17.1pp |
| Annual return | 12.39% | 26.89%-14.5pp | 80.50%-68.1pp | 26.06%-13.7pp |
| Employer contribution / active EE | $3,853 | $3,371+14.3% | $4,624-16.7% | $2,596+48.4% |
| Participant deferral / active EE | $2,995 | $6,525-54.1% | $8,004-62.6% | $4,274-29.9% |
| Admin fee / account holder | $12,175 | $8,287+46.9% | $14,398-15.4% | $7,775+56.6% |