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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 | $99,875-58.8% | $146,866-72.0% | $86,983-52.7% |
| Participation rate | 51.9% | 75.8%-24.0pp | 82.5%-30.7pp | 69.5%-17.7pp |
| Annual return | 12.39% | 28.10%-15.7pp | 102.85%-90.5pp | 25.83%-13.4pp |
| Employer contribution / active EE | $3,853 | $3,224+19.5% | $4,425-12.9% | $2,584+49.1% |
| Participant deferral / active EE | $2,995 | $6,322-52.6% | $7,759-61.4% | $4,194-28.6% |
| Admin fee / account holder | $12,175 | $7,838+55.3% | $13,620-10.6% | $7,856+55.0% |