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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 | $49,693 | $93,589-46.9% | $135,942-63.4% | $75,181-33.9% |
| Participation rate | 46.7% | 75.2%-28.5pp | 81.9%-35.2pp | 67.2%-20.5pp |
| Annual return | 14.97% | 30.90%-15.9pp | 68.28%-53.3pp | 160.69%-145.7pp |
| Employer contribution / active EE | $1,787 | $3,537-49.5% | $4,858-63.2% | $2,671-33.1% |
| Participant deferral / active EE | $4,924 | $6,405-23.1% | $7,759-36.5% | $4,126+19.3% |
| Admin fee / account holder | $7,902 | $6,977+13.3% | $10,764-26.6% | $5,650+39.9% |