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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 | $49,844 | $91,559-45.6% | $133,978-62.8% | $79,856-37.6% |
| Participation rate | 52.4% | 73.3%-21.0pp | 79.8%-27.5pp | 69.6%-17.3pp |
| Annual return | 7.92% | 61.85%-53.9pp | 45.10%-37.2pp | 31.71%-23.8pp |
| Employer contribution / active EE | $1,395 | $2,384-41.5% | $3,919-64.4% | $2,471-43.5% |
| Participant deferral / active EE | $2,918 | $3,734-21.8% | $5,047-42.2% | $3,741-22.0% |
| Admin fee / account holder | $1,750 | $6,321-72.3% | $8,930-80.4% | $5,306-67.0% |