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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 | $49,913 | $31,388+59.0% | $73,545-32.1% | $62,293-19.9% |
| Participation rate | 29.2% | 39.9%-10.6pp | 54.9%-25.7pp | 69.5%-40.3pp |
| Annual return | 12.04% | 25.34%-13.3pp | -15.16%+27.2pp | 28.90%-16.9pp |
| Employer contribution / active EE | $466 | $498-6.4% | $1,219-61.8% | $2,042-77.2% |
| Participant deferral / active EE | $1,172 | $1,028+14.0% | $1,806-35.1% | $3,169-63.0% |
| Admin fee / account holder | $1,786 | $299+496.6% | $2,320-23.0% | $479+272.6% |