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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 | $45,803 | $53,128-13.8% | $86,582-47.1% | $70,126-34.7% |
| Participation rate | 31.0% | 65.3%-34.3pp | 73.5%-42.5pp | 69.5%-38.5pp |
| Annual return | 8.31% | 27.66%-19.3pp | 965.08%-956.8pp | 73.15%-64.8pp |
| Employer contribution / active EE | $1,237 | $2,068-40.2% | $2,839-56.5% | $2,343-47.2% |
| Participant deferral / active EE | $2,496 | $2,695-7.4% | $3,609-30.8% | $3,332-25.1% |
| Admin fee / account holder | $4,594 | $3,584+28.2% | $4,904-6.3% | $4,645-1.1% |