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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 | $45,798 | $35,183+30.2% | $73,550-37.7% | $70,126-34.7% |
| Participation rate | 41.8% | 42.9%-1.1pp | 54.9%-13.1pp | 69.5%-27.7pp |
| Annual return | 8.94% | 26.90%-18.0pp | -15.16%+24.1pp | 73.15%-64.2pp |
| Employer contribution / active EE | $457 | $709-35.6% | $1,219-62.5% | $2,343-80.5% |
| Participant deferral / active EE | $1,502 | $1,220+23.1% | $1,804-16.8% | $3,332-54.9% |
| Admin fee / account holder | $4,687 | $2,302+103.6% | $2,320+102.1% | $4,645+0.9% |