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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 | $40,151 | $58,848-31.8% | $88,179-54.5% | $82,637-51.4% |
| Participation rate | 49.4% | 57.9%-8.5pp | 69.1%-19.7pp | 68.1%-18.6pp |
| Annual return | 9.47% | 22.76%-13.3pp | 64.97%-55.5pp | 53.51%-44.0pp |
| Employer contribution / active EE | $483 | $1,678-71.2% | $2,549-81.1% | $2,552-81.1% |
| Participant deferral / active EE | $2,375 | $3,124-24.0% | $4,614-48.5% | $4,126-42.4% |
| Admin fee / account holder | $4,481 | $4,795-6.6% | $7,673-41.6% | $7,339-38.9% |