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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 | $49,388 | $80,992-39.0% | $96,534-48.8% | $75,173-34.3% |
| Participation rate | 46.3% | 71.8%-25.4pp | 76.0%-29.6pp | 67.2%-20.9pp |
| Annual return | 7.66% | 27.05%-19.4pp | 25.88%-18.2pp | 160.72%-153.1pp |
| Employer contribution / active EE | $850 | $2,283-62.7% | $2,965-71.3% | $2,671-68.2% |
| Participant deferral / active EE | $2,273 | $3,929-42.1% | $4,851-53.1% | $4,126-44.9% |
| Admin fee / account holder | $3,870 | $6,717-42.4% | $8,253-53.1% | $5,651-31.5% |