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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 | $42,227 | $22,602+86.8% | $65,566-35.6% | $75,173-43.8% |
| Participation rate | 48.0% | 63.1%-15.1pp | 64.9%-16.9pp | 67.2%-19.2pp |
| Annual return | 15.45% | 71.13%-55.7pp | 47.40%-32.0pp | 160.72%-145.3pp |
| Employer contribution / active EE | $677 | $941-28.0% | $1,692-60.0% | $2,671-74.6% |
| Participant deferral / active EE | $1,844 | $1,695+8.8% | $2,832-34.9% | $4,126-55.3% |
| Admin fee / account holder | $1,678 | $1,877-10.6% | $4,114-59.2% | $5,651-70.3% |